Re Mortgage Quotes

We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

But anyway, I look around sometimes and I think - this will maybe sound weird - it's like the corporate world's full of ghosts. And actually, let me revise that, my parents are in academia so I've had front row seats for that horror show, I know academia's no different, so maybe a fairer way of putting this would be to say that adulthood's full of ghosts." "I'm sorry, I'm not sure I quite --" "I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped. Dan's like that." "You don't think he likes his job, then." "Correct," she said, "but I don't think he even realises it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.

If you have to ask someone to change, to tell you they love you, to bring wine to dinner, to call you when they land, you can’t afford to be with them. It’s not worth the price, even though, just like the Tiffany catalog, no one tells you what the price is. You set it yourself, and if you’re lucky it’s reasonable. You have a sense of when you’re about to go bankrupt. Your own sense of self-worth takes the wheel and says, Enough of this shit. Stop making excuses. No one’s that busy at work. No one’s allergic to whipped cream. There are too cell phones in Sweden. But most people don’t get lucky. They get human. They get crushes. This means you irrationally mortgage what little logic you own to pay for this one thing. This relationship is an impulse buy, and you’ll figure out if it’s worth it later.

Take the years when you’re young – say, between the ages of fifteen and thirty-five, before you have a mortgage or kids or anything else that needs to be fed – and go balls out on intuition and follow your dreams. Dreams won’t always take you on a straight path to destiny, but they’re usually related to what your soul wants for you. They’ll force you to ask yourself the hard questions, they’ll kick your ass, and most importantly, they’ll turn you on.

I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped...

If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s total annual realized income.

When you’re a conservative Republican, you never think people are making money by ripping other people off,” he said. His mind was now fully open to the possibility. “I now realized there was an entire industry, called consumer finance, that basically existed to rip people off.

It's like the corporate world's full of ghosts … maybe a fairer way of putting this would be to say that adulthood's full of ghosts … these people who've ended up in one life instead of another and they are just so disappointed ... They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped … High-functioning sleepwalkers, essentially.

The culture doesn't encourage you to think about such things until you're about to die. We're so wrapped up with egostical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks. We're involved in trillions of little acts just to keep going . So we don't get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

We have not noticed how fast the rest has risen. Most of the industrialized world--and a good part of the nonindustrialized world as well--has better cell phone service than the United States. Broadband is faster and cheaper across the industrial world, from Canada to France to Japan, and the United States now stands sixteenth in the world in broadband penetration per capita. Americans are constantly told by their politicians that the only thing we have to learn from other countries' health care systems is to be thankful for ours. Most Americans ignore the fact that a third of the country's public schools are totally dysfunctional (because their children go to the other two-thirds). The American litigation system is now routinely referred to as a huge cost to doing business, but no one dares propose any reform of it. Our mortgage deduction for housing costs a staggering $80 billion a year, and we are told it is crucial to support home ownership, except that Margaret Thatcher eliminated it in Britain, and yet that country has the same rate of home ownership as the United States. We rarely look around and notice other options and alternatives, convinced that "we're number one.

Of course you are. Then you're going to give me multiple orgasms and pay off my mortgage too. I saw this movie, pal. It was in the fantasy section. (Isa)

Finally, don’t put on a Let’s Be Fair tone and say “But black people are racist too.” Because of course we’re all prejudiced (I can’t even stand some of my blood relatives, grasping, selfish folks), but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.

And a mortgage used to be something you were expected to repay. But now that every other middle-income family has a mortgage for an amount they couldn't possibly save up in their lifetimes, then the bank isn't lending money anymore. It's offering financing. And then homes are no longer homes. They're investments. ...It means that the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can't. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, "How can they afford that?" because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you've already got. With borrowed money.

See that's where you're wrong baby. When you find your man, it's almost too easy. Gettin' married and havin' a mortgage, kids and a business to run and findin' a way to stay in love day in day out, that's the tougher part. But the beginning'… that parts easy as pie. That's why they call it fallin' because it happens before you have time to stop yourself.

Because I look at you, and I think, you and me, we’re going to get married one day. And then, if you’re a very good wife…” His eyes skated over my face as he paused, and it felt like a loving caress; but it also felt possessive and dangerous. His cadence dropped, deepened, as his stare settled on my lips. “If you’re a very good wife, we’ll have a mortgage.

What do you have to worry about? That you're lonely? That you have a mortgage? That your wife doesn't love you? F you, F you. I have to worry about having enough to eat!

11 WAYS TO BE UNREMARKABLY AVERAGE 1. Accept what people tell you at face value. 2. Don’t question authority. 3. Go to college because you’re supposed to, not because you want to learn something. 4. Go overseas once or twice in your life, to somewhere safe like England. 5. Don’t try to learn another language; everyone else will eventually learn English. 6. Think about starting your own business, but never do it. 7. Think about writing a book, but never do it. 8. Get the largest mortgage you qualify for and spend 30 years paying for it. 9. Sit at a desk 40 hours a week for an average of 10 hours of productive work. 10. Don’t stand out or draw attention to yourself. 11. Jump through hoops. Check off boxes.

THERE HAVE ALWAYS BEEN ITINERANTS, drifters, hobos, restless souls. But now, in the second millennium, a new kind of wandering tribe is emerging. People who never imagined being nomads are hitting the road. They’re giving up traditional houses and apartments to live in what some call “wheel estate”—vans, secondhand RVs, school buses, pickup campers, travel trailers, and plain old sedans. They are driving away from the impossible choices that face what used to be the middle class. Decisions like: Would you rather have food or dental work? Pay your mortgage or your electric bill? Make a car payment or buy medicine? Cover rent or student loans? Purchase warm clothes or gas for your commute? For many the answer seemed radical at first. You can’t give yourself a raise, but what about cutting your biggest expense? Trading a stick-and-brick domicile for life on wheels?

They had stumbled either upon a serious flaw in modern financial markets or into a great gambling run. Characteristically, they were not sure which it was. As Charlie pointed out, “It’s really hard to know when you’re lucky and when you’re smart.

She asked me for some advice regarding Mark’s financial affairs. It’s a very common problem for the families of missing persons – what happens when someone disappears? How long do you wait before you clean out their flat? Do you reregister their car? Who keeps paying the car payments? How do you access their bank account? What about rent and mortgage? When do you tell their employer you don’t think they’re coming back to their job?

This is the critical point of this book: if you are that zebra running for your life, or that lion sprinting for your meal, your body’s physiological response mechanisms are superbly adapted for dealing with such short-term physical emergencies. For the vast majority of beasts on this planet, stress is about a short-term crisis, after which it’s either over with or you’re over with. When we sit around and worry about stressful things, we turn on the same physiological responses—but they are potentially a disaster when provoked chronically. A large body of evidence suggests that stress-related disease emerges, predominantly, out of the fact that we so often activate a physiological system that has evolved for responding to acute physical emergencies, but we turn it on for months on end, worrying about mortgages, relationships, and promotions.

See that's where you're wrong baby. When you find your man, it's almost too easy. Gettin' married and haven' a mortgage, kids and a business to run and findin' a way to stay in love day in day out, that's the tougher part. But the beginning'… that parts easy as pie. That's why they call it fallen' because it happens before you have time to stop yourself.

Our culture doesn't encourage you to think about such things until you’re about to die. We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habbit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped. Dan's like that.

The Delores tank rolled on inexorably, “You get a mortgage to buy a house, a larger mortgage than the previous owner because the price of the house has been artificially increased by the market, which is controlled by the banks. Then you live in the house for a few years paying a lot more in mortgage payments than you would if you were renting a similar property. But hey, you ‘own’ it and can ‘do things to it’… things that cost even more money, by the way… so you maintain its upkeep, improve it with say a new kitchen or bathroom; the more salubrious the neighbourhood the more expensive the kitchen would need to be – a Küche & Cucina, say; impressing your cleaner is very important after all and at the end you sell it to someone else for more than you paid for it so they’ll need an even bigger mortgage. And all the while everyone is paying all this money to the banks and the banks give the money to their shareholders, the biggest of whom are the incredibly rich. This, when you boil it all down, means that you’re taking a large sum out of your wages and passing it across to some rich person to live large, whilst you and others like you struggle to make their monthly payments. Basically you’ve been screwed, Doc, but somehow they’ve convinced you that you own a bit of England, when the truth is you don’t really own anything, you’re just renting it at a higher cost and they can take it back from you any time they want. It’s all just a card trick, Doc. All just ‘smoke and mirrors’ and that’s what’s getting to me.

Why? So you can still qualify for assistance? Your family is gaming the system?" "No." Diana had always hated when people said this about her family. The bosses who made her dad list a payroll company as his employer, they gamed the system. The assholes who convinced her parents to take out both a second mortgage and a HELOC in 2006 gamed the system. The employers who would never give Edith enough hours for benefits gamed the system. But ask a lot of people, and they'd tell you it's people like her grandma who game the system. They'd tell you that an old woman who's worked hard every day of her life and still struggles to get by is a malignant vacuum for their personal tax dollars, and a blight on their lives as free Americans. "We're just trying to live.

People aren't pissed just to be pissed. They're mad because a tiny group of crooks on Wall Street built themselves beach houses in the Hamptons through a crude fraud scheme that decimated their retirement funds, caused property values in their neighborhoods to collapse and caused over four million people to be put in foreclosure.

People aren’t really needed for anything else in the Griftopia, but since Americans require the illusion of self-government, we have elections. To make sure those elections are effectively meaningless as far as Wall Street is concerned, two things end up being true. One is that voters on both sides of the aisle are gradually weaned off that habit of having real expectations for their politicians, consuming the voting process entirely as culture-war entertainment. The other is that millions of tenuously middle-class voters are conned into pushing Wall Street’s own twisted greed ethos as though it were their own. The Tea Party, with its weirdly binary view of society as being split up cleanly into competing groups of producers and parasites—that’s just a cultural echo of the insane greed-is-good belief system on Wall Street that’s provided the foundation/excuse for a generation of brilliantly complex thievery. Those beliefs have trickled down to the ex-middle-class suckers struggling to stay on top of their mortgages and their credit card bills, and the real joke is that these voters listen to CNBC and Fox and they genuinely believe they’re the producers in this binary narrative. They don’t get that somewhere way up above, there’s a group of people who’ve been living the Atlas dream for real—and building a self-dealing financial bureaucracy in their own insane image.

Therefore, to you, and to the fifty governors, I have a request. Please, do not send me politicians. We do not have the time to do the things that must be done through that process. I need people who do real things in the real world. I need people who do not want to live in Washington. I need people who will not try to work the system. I need people who will come here at great personal sacrifice to do an important job, and then return home to their normal lives. “I want engineers who know how things are built. I want physicians who know how to make sick people well. I want cops who know what it means when your civil rights are violated by a criminal. I want farmers who grow real food on real farms. I want people who know what it’s like to have dirty hands, and pay a mortgage bill, and raise kids, and worry about the future. I want people who know they’re working for you and not themselves. That’s what I want. That’s what I need. I think that’s what a lot of you want, too.

Lizzie and I arrived in the polluted heat of a London summer. We stood frozen at street corners as a blur of pedestrians burst out of the subways and spilled like ants down the pavements. The crowed bars, the expensive shops, the fashionable clothes - to me it all seemed a population rushing about to no avail...I stared at a huge poster of a woman in her underwear staring down at her own breasts. HELLO BOYS, she said. At the movies we witnessed sickening violence, except that this time we held tubs of popcorn between our legs and the gunfire and screams were broadcast in digital Dolby. We had escaped a skull on a battlefield, only to arrive in London, where office workers led lines of such tedium and plenty that they had to entertain themselves with all the f****** and killing on the big screen. So here then was the prosperous, democratic and civilized Western world. A place of washing machines, reality TV, Armani, frequent-flier miles, mortgages. And this is what the Africans are supposed to hope for, if they're lucky.

With all our success and expensive vacations, our big houses and bigger mortgages and our brand-new cars - have we become so satiated that we're really a little miserable, feeling a little let down by the pursuit of material goods? And have we forgotten how to find simple, old-fashioned, down-to-earth happiness?

Humans haunt more houses than ghosts do. Men and women assign value to brick and mortar, link their identities to mortgages paid on time. On frigid winter nights, young mothers walk their fussy babies from room to room, learning where the rooms catch drafts and where the floorboards creak. In the warm damp of summer, fathers sit on porches, sometimes worried and often tired but comforted by the fact that a roof is up there providing shelter. Children smudge up walls with dirty handprints, find nooks to hide their particular treasure, or hide themselves if need be. We live and die in houses, dream of getting back to houses, take great care in considering who will inherit the houses when we’re gone.

They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped.

we’re helping the consumer. Because we’re taking him out of his high interest rate credit card debt and putting him into lower interest rate mortgage debt.

It goes like this: go to school, get brainwashed, go to college, get more brainwashed, drink beer, get a degree, get a job, get married, have kids, get promoted, get a mortgage, take a yearly vacation, buy stuff on the holidays, retire, take up golf, be a grandparent, get cancer and die. The matrix exists to make sure you follow this formula, so that you can do your part to support the very system that’s enslaving you. Except you think you’re free because you went to Maui for a week last June. That’s not freedom, my love. That’s a bone.

adulthood’s full of ghosts.” “I’m sorry, I’m not sure I quite—” “I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.” “You don’t think he likes his job, then.” “Correct,” she said, “but I don’t think he even realizes it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.

One of my foundation’s main initiatives is to build smart homes for severely wounded veterans. We provide these houses and the land they’re built on at no cost to the vets, completely mortgage free.

so maybe a fairer way of putting this would be to say that adulthood’s full of ghosts.” “I’m sorry, I’m not sure I quite—” “I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped.

We're all too busy, too distracted by the sheer effort of getting through each day - working, paying the bills, the mortgage, shopping - that we don't want to look deeper. We don't dare. We want things to be fine. To be "hunky-dory". Because we simply haven't got the energy to deal with it if they're not. It's only when something bad happens, something irretrievable, that we see things properly. And then it's too late

The culture doesn't encourage you to think about such things until you're about to die. We're so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks-- we're so involved in trillions of little acts just to keep going. So we don't get into the habit of standing back and looking at our lives and saying, is this all? Is this all I want? Is something missing?

They want you because you’re money.” “What?” “You’re mortgaged, Jim. Like a farm, like a house. Really, the bank owns you. Miss Watson gets a bond, a piece of paper that say what you’re worth, and you just keep living in this condition. Living. You’re a part of the bank’s assets and so people all over the world are making money off your scarred black hide. Make sense? Nobody wants you free.” “Somebody does. There’s a war.” She nodded. “Maybe you won’t be a slave, but you won’t be free.

I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped.

They’re nice cages,” I responded. “No space around them. Nothing alive. Places like this turn a man into a gerbil. He comes home and scurries inside. Then he stays there until he’s forced to go back out to the job he has to work so that he can make the mortgage payments on this gerbil habitat.

I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.” “You don’t think he likes his job, then.” “Correct,” she said, “but I don’t think he even realizes it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.” What was it in this statement that made Clark want to weep? He was nodding, taking down as much as he could. “Do you think he’d describe himself as unhappy in his work?” “No,” Dahlia said, “because I think people like him think work is supposed to be drudgery punctuated by very occasional moments of happiness, but when I say happiness, I mostly mean distraction. You know what I mean?

I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.

There's one big difference between the poor and the rich,' Kite says, taking a drag from his cigarette. We are in a pub, at lunch-time. John Kite is always, unless stated otherwise, smoking a fag, in a pub, at lunch-time. 'The rich aren't evil, as so many of my brothers would tell you. I've known rich people -- I have played on their yachts -- and they are not unkind, or malign, and they do not hate the poor, as many would tell you. And they are not stupid -- or at least, not any more than the poor are. Much as I find amusing the idea of a ruling class of honking toffs, unable to put their socks on without Nanny helping them, it is not true. They build banks, and broker deals, and formulate policy, all with perfect competency. 'No -- the big difference between the rich and the poor is that the rich are blithe. They believe nothing can ever really be so bad, They are born with the lovely, velvety coating of blitheness -- like lanugo, on a baby -- and it is never rubbed off by a bill that can't be paid; a child that can't be educated; a home that must be left for a hostel, when the rent becomes too much. 'Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine -- but maybe cheaper -- go on holiday -- but somewhere nearer -- and pay off your mortgage -- although maybe later. 'Consider, now, then, the poor. What's the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school -- with no escape route to a prep. It can have you out of your house and into a B&B by the end of the year. When the middle-classes get passionate about politics, they're arguing about their treats -- their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. 'Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, and animalistic. No classical music for us -- no walking around National Trust properties, or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful; dying in mines, and slums, without literacy, or the vote. Without dignity. It was all so desperate, then. That's why the present and the future is for the poor -- that's the place in time for us: surviving now, hoping for better, later. We live now -- for our instant, hot, fast treats, to prep us up: sugar, a cigarette, a new fast song on the radio. 'You must never, never forget, when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad postcode, It's a miracle when someone from a bad postcode gets anywhere, son. A miracle they do anything at all.

We're brainwashed with garbage idioms like "Big girls don't cry". Guys who "cry like a girl" are told to "man up". Or "she's crying like a baby", as if only babies cry, which makes no sense to me, given babies have the fewest problems out of all of us. They don't have mortgages or jury duty, and they get the fun end of the whole birthing situation. The mother is the one who is pushing and bleeding and tearing, and the baby basically just gets to jet down a water slide. I think the whole "crying like a baby" idiom should be reversed: what we should say about babies is "Jesus, that baby is crying like a grown-up!

adulthood’s full of ghosts.” “I’m sorry, I’m not sure I quite—” “I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped.

Adulthood's full of ghosts. . . . I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped. . . . High-functioning sleepwalkers, essentially.

Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 percent and leave your bins unemptied on the pavement. But you and everyone you know will continue to drink wine-- but maybe cheaper-- go on holiday-- but somewhere nearer-- and pay off your mortgage--although maybe later.

Mitch," he said, "the culture doesn't encourage you to think about such things until you're about to die. We're so wrapped up in egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks - we're involved in trillions of little acts just to keep going. So we don't get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

Mitch,” he said, “the culture doesn’t encourage you to think about such things until you’re about to die. We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

Some might say the difference between being a kid and being a grown-up is that grown-ups don't think they can sail around the world all by themselves. Why not? Because they don't have a sailboat. Because they couldn't make the mortgage payments if they sailed around the world. Because they don't know how to sail. Because they don't want to. Because it's just a TV show. There can be a lot of becauses. There can be endless becauses. Because you're a grown-up. Because you have responsibilities. Because you haven't made one choice in the last ten years. Because (and here's the important one) you're a coward. Yes. That's right. Because you, my little friend, are a coward. When you're a kid, on the other hand, your entire thought process is consumed with visions of WHAT MIGHT BE. You are propelled forward in search of some foggy thing. Some thing that you believe might be amazing. What you might do. Who you might be. You imagine that there are so many possibilities.

I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.” “You don’t think he likes his job, then.” “Correct,” she said, “but I don’t think he even realizes it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.

There’s a man with her. He’s blonde, balding, harassed-looking, and probably what they call time-poor. Older. He looks at me over the steering wheel and gives a helpless, frustrated gesture, as though I should be able to identify and sympathize with his plight. Then, as the woman starts to open the car door, he stops her with a swift movement. And suddenly they’re struggling, locked into a graceless, desperate tussle. I picture the dull, bestial unhappiness of a couple shackled to each other by their mortgage and their children’s shareed DNA.

We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?” He paused. “You need someone to probe you in that direction. It won’t just happen automatically.” I knew what he was saying. We all need teachers in our lives. And mine was sitting in front of me.

There’s a common misconception that Silicon Valley is the accelerator of the world. The real story is that the world keeps getting faster—Silicon Valley is just the first place to figure out how to keep pace. While Silicon Valley certainly has many key networks and resources that make it easier to apply the techniques we’re going to lay out for you, blitzscaling is made up of basic principles that do not depend on geography. We’re going to show you examples from overlooked parts of the United States, such as Detroit (Rocket Mortgage) and Connecticut (Priceline), as well as from international companies, such as WeChat and Spotify. In the process you’ll see how the lessons of blitzscaling can be adapted to help build great companies in nearly any ecosystem, albeit with differing degrees of difficulty. That’s the mission of this book. We want to share the secret weapon that has allowed Silicon Valley to punch so much (more than a hundred times) above its population index so that those lessons can be applied far beyond the sixty-mile stretch between the Golden Gate Bridge and San Jose. It is sorely needed.

A brick could be used to show you how to live a richer, fuller, more satisfying life. Don’t you want to have fulfillment and meaning saturating your existence? I can show you how you can achieve this and so much more with just a simple brick. For just $99.99—not even an even hundred bucks, I’ll send you my exclusive life philosophy that’s built around a brick. Man’s used bricks to build houses for centuries. Now let one man, me, show you how a brick can be used to build your life up bigger and stronger than you ever imagined. But act now, because supplies are limited. This amazing offer won’t last forever. You don’t want to wake up in ten years to find yourself divorced, homeless, and missing your testicles because you waited even two hours too long to obtain this information. Become a hero today—save your life. Procrastination is only for the painful things in life. We prolong the boring, but why put off for tomorrow the exciting life you could be living today? If you’re not satisfied with the information I’m providing, I’m willing to offer you a no money back guarantee. That’s right, you read that wrong. If you are not 100% dissatisfied with my product, I’ll give you your money back. For $99.99 I’m offering 99.99%, but you’ve got to be willing to penny up that percentage to 100. Why delay? The life you really want is mine, and I’m willing to give it to you—for a price. That price is a one-time fee of $99.99, which of course everyone can afford—even if they can’t afford it. Homeless people can’t afford it, but they’re the people who need my product the most. Buy my product, or face the fact that in all probability you are going to end up homeless and sexless and unloved and filthy and stinky and probably even disabled, if not physically than certainly mentally. I don’t care if your testicles taste like peanut butter—if you don’t buy my product, even a dog won’t lick your balls you miserable cur. I curse you! God damn it, what are you, slow? Pay me my money so I can show you the path to true wealth. Don’t you want to be rich? Everything takes money—your marriage, your mortgage, and even prostitutes. I can show you the path to prostitution—and it starts by ignoring my pleas to help you. I’m not the bad guy here. I just want to help. You have some serious trust issues, my friend. I have the chance to earn your trust, and all it’s going to cost you is a measly $99.99. Would it help you to trust me if I told you that I trust you? Well, I do. Sure, I trust you. I trust you to make the smart decision for your life and order my product today. Don’t sleep on this decision, because you’ll only wake up in eight hours to find yourself living in a miserable future. And the future indeed looks bleak, my friend. War, famine, children forced to pimp out their parents just to feed the dog. Is this the kind of tomorrow you’d like to live in today? I can show you how to provide enough dog food to feed your grandpa for decades. In the future I’m offering you, your wife isn’t a whore that you sell for a knife swipe of peanut butter because you’re so hungry you actually considered eating your children. Become a hero—and save your kids’ lives. Your wife doesn’t want to spread her legs for strangers. Or maybe she does, and that was a bad example. Still, the principle stands. But you won’t be standing—in the future. Remember, you’ll be confined to a wheelchair. Mushrooms are for pizzas, not clouds, but without me, your life will atom bomb into oblivion. Nobody’s dropping a bomb while I’m around. The only thing I’m dropping is the price. Boom! I just lowered the price for you, just to show you that you are a valued customer. As a VIP, your new price on my product is just $99.96. That’s a savings of over two pennies (three, to be precise). And I’ll even throw in a jar of peanut butter for free. That’s a value of over $.99. But wait, there’s more! If you call within the next ten minutes, I’ll even throw in a blanket free of charge. . .

adulthood’s full of ghosts.” “I’m sorry, I’m not sure I quite—” “I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.” “You don’t think he likes his job, then.” “Correct,” she said, “but I don’t think he even realizes it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.” What

I would be happy just about anywhere, as long as I can be surrounded by tall trees and maybe a lake or river with majestic mountains in the background. I always admired how they lived during the frontier times. You could find yourself a nice spot and build your dream home without worrying about paying rent or a mortgage. Simpler times. I think what’s happening now could possibly lead to something like that happening, again. We’re already experiencing a breakdown in government, as far as New York City goes. If more cities become infected elsewhere, who knows how things will turn out?

Your Overworld persona is a hero,” said Bao. “Heartbeat is a hero. Calaca's a psychopath, but he was right about one thing — the internet is the real world. What you do there matters, and what you do here matters. I've seen you spend days nursing a sick sister back to health; I've seen you work triple shifts in this restaurant to pay your family's mortgage. You took Gabi to ballet when your parents were too scared to send her. Three nights ago you ran into the middle of a freeway to rescue your friend. You're not just a hero, Mari, you're my hero. If anyone can figure this out, it's you.

He must have started putting away a little money right after he cleaned up his first projectile vomit. It didn’t matter that he was only making a few dollars a day. Here’s the thing you have to understand about most immigrants. They’re experts at stashing cash in their Serta Sleepers. You pay a dude from Ghana or Guatemala a buck and he’ll sock away 90 cents of it. Pretty soon he’s made a down payment on a nice three-bedroom ranch in the burbs just by busing tables during the day and delivering pizza at night. Meanwhile, the rest of us are bitching because our six-figure incomes won’t cover the mortgage on the McMansion.

Anyway, you now owe $117,500 on the house. After that five years, once the house gets 90 percent loan-to-value—that means you’re getting close to getting underwater—the bank ‘recasts’ the loan and now flips you to a full am, which means you pay an old-fashioned mortgage, which is principal plus interest on $117,000. You now have a thirty-year loan at 7 percent. Plus you have to buy the mortgage insurance because you don’t have anything down, which puts you somewhere at $900 a month. Your payments have more than tripled overnight. A $200,000 house is now costing you $1,800 a month and we both know the guy was never making that kind of money.

racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.

but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.” So

In this march through a virtual lifetime, we’ve visited school and college, the courts and the workplace, even the voting booth. Along the way, we’ve witnessed the destruction caused by WMDs. Promising efficiency and fairness, they distort higher education, drive up debt, spur mass incarceration, pummel the poor at nearly every juncture, and undermine democracy. It might seem like the logical response is to disarm these weapons, one by one. The problem is that they’re feeding on each other. Poor people are more likely to have bad credit and live in high-crime neighborhoods, surrounded by other poor people. Once the dark universe of WMDs digests that data, it showers them with predatory ads for subprime loans or for-profit schools. It sends more police to arrest them, and when they’re convicted it sentences them to longer terms. This data feeds into other WMDs, which score the same people as high risks or easy targets and proceed to block them from jobs, while jacking up their rates for mortgages, car loans, and every kind of insurance imaginable. This drives their credit rating down further, creating nothing less than a death spiral of modeling. Being poor in a world of WMDs is getting more and more dangerous and expensive.

I was just thinking about all the rules and regulations we pick up like lice during our lives. When you’re a child, there are so many no-nos. Then you become more mature and you get the false impression, live under the illusion, that restrictions diminish. For a while you forget all the new ones. You can drive, but now there are all those traffic regulations. You can stay out later, but there are rules about alcohol and drugs and curfews. You are suddenly aware of other things like jay walking, littering, defacing property, cutting in front of people in lines, obeying the rules your bank imposes and your college imposes. Then, of course, once you’re really on your own, earning your own keep, there are the pages and pages of IRS codes. You have all that beside the Ten Commandments and spools of new edicts related to civil and criminal law.’ ‘So?’ ‘And then you get married, save up enough money to have a mortgage and a house in a place like that,’ I said, nodding at the development, ‘and are handed a booklet of CC and Rs, the covenants, conditions and restrictions associated with your homeowners’ association. It never stops. Even after your dead. Did you know there is a mileage restriction relating to how far you have to be taken to have your ashes dumped at sea?’ ‘You forgot the rules your own body imposes on you, like when to eat and drink, what to eat and drink, and when to seek sexual intercourse. And sleep. I always forget sleep.

… But don't ever forget, young Master Paul. Everyone has their love story. Everyone. It may have been a fiasco, it may have fizzled out, it may never even have got going, it may have been all in the mind, that doesn't make it any less real. Sometimes, it makes it more real. Sometimes, you see a couple, and they seem bored witless with one another, and you can't imagine them having anything in common, or why they're still living together. But it's not just habit or complacency or convention or anything like that. It's because once, they had their love story. Everyone does. It's the only story.” (P. 35-36) Then there's that word Joan dropped into our conversation like a concrete fence-post into a fishpool: practicality. Over my life I've seen friends fail to leave their marriages, fail to continue affairs, fail even to start them sometimes, all for the same expressed reason. 'It just isn't practical, they say wearily. The distances are too great, the train schedules unfavourable, the work hours mismatched; then there's the mortgage, and the children, and the dog, also, the joint ownership of things. 'I just couldn't face sorting out the record collection, a non-leaving wife once told me. In the first thrill of love, the couple had amalgamated their records, throwing away duplicates. How was it feasible to unpick all that? And so she stayed; and after a while the temptation to leave passed, and the record collection breathed a sigh of relief. Whereas it seemed to me, back then, in the absolutism of my condition, that love had nothing to do with practicality; indeed, was its polar opposite. And the fact that it showed contempt for such banal considerations was part of its glory. Love was by its very nature disruptive, cataclysmic; and if it was not, then it was not love. (P. 73)

But anyway, I look around sometimes and I think-this will maybe sound weird-it's like the corporate world's full of ghosts. And actually, let me revise that, my parents are in academia so I've had front row seats for that horror show, I know academia's no different, so maybe a fairer way of putting this would be to say that adulthood's full of ghosts." "I'm sorry, I'm not sure I quite -" "I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped. Dan's like that." "You don't think he likes his job, then." "Correct," she said, "but I don't think he even realises it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.” What was it in this statement that made Clark want to weep" He was nodding, taking down as much as he could. "Do you think he'd describe himself as unhappy in his work?" "No," Dahlia said, "because I think people like him think work is supposed to be drudgery punctuated by very occasional moments of happiness, but when I say happiness, I mostly mean distraction. You know what I mean? "No please elaborate." "Okay, say you go into the break room," she said, "and a couple people you like are there, say someone's telling a funny story, you laugh a little, you feel included, everyone's so funny, you go back to your desk with a sort of , I don't know, I guess afterglow would be the word? You go back to your desk with an afterglow, but then by four or five o'clock the day's just turned into yet another day, and you go on like that, looking forward to five o'clock and then the weekend and then your two or three annual weeks of paid vacation time, day in day out, and that's what happens in your life." "Right," Clark said. He was filed in the moment with an inexpressible longing. The previous day he'd gone into the break roman spent five minutes laughing at a colleague's impression of a Daily Show bit. "That's what passes for a life, I should say. That's what passes for happiness, for most people. Guys like Dan, they're like sleepwalkers," she said, "and nothing ever jolts them awake.

Charles Darrow set a goal when he was in his twenties; he determined that he was going to be a millionaire. This isn’t all that unusual today, but back then, it was extremely unusual. Charles lived during the Roaring Twenties, a time when a million dollars was an enormous sum. He married a woman named Esther, promising her that one day they would be millionaires. Then tragedy struck in 1929—the Great Depression. Both Charles and Esther lost their jobs. They mortgaged their house, gave up their car, and used all their life savings. Charles was absolutely crushed. He sat around the house depressed until one day he told his wife she could leave him if she wanted to. “After all,” he said, “it’s clear that we’re never going to reach our goal.” Esther wasn’t about to leave. She told Charles they were going to reach their goal, but they would need to do something every day to keep the dream alive. What she was trying to tell Charles was this: Don’t let your dreams die just because you made a few mistakes in the past. Don’t give up just because you tried something a few times, and it didn’t seem to work. God wants you to press on past mistakes. The devil wants you to give up. Progress requires paying a price, and sometimes the price you pay for progress is just to “keep on keeping on” and saying: “I’m not going to quit until I have some kind of victory.” Don’t be the kind of person whose way of dealing with everything hard is: “I quit!” Esther Darrow told her husband: “Keep your dream alive.” Charles responded: “It’s dead. We failed. Nothing’s going to work.” But she wouldn’t listen to that kind of talk; she refused to believe it. She suggested that every night they take some time to discuss what they would do toward reaching their dream. They began doing this night after night, and soon Charles came up with an idea of creating play money. His idea was something quite appealing since money was so scarce in those days. Since they were both out of work, he and Esther had lots of time, and now they had lots of easy money to play with. So they pretended to buy things like houses, property, and buildings. Soon they turned the fantasy into a full-fledged game with board, dice, cards, little houses, hotels . . . You guessed it. It was the beginning of a game you probably have in your closet right now; it’s called Monopoly.

The four main factors you’ll want to investigate are: 1. Borrower’s credit: Look for whether they’re paying their bills regularly and on time, how much debt they have in relation to their income (the debt-to-income ratio, or DTI), and the status of the senior lien. 2. Borrower’s payment history: The longer someone has been making mortgage payments, the more likely they are to keep doing so; it demonstrates their commitment to the property. 3. Fair market value (FMV): Find the current FMV of the property, as it affects the equity (ownership stake) in the property; if the property has declined substantially, you may not be able to recover your investment if the borrower defaults. 4. Location: With real estate debt, geography matters for several reasons including state foreclosure laws, local demographics (which can affect future property values), and area economy.

MBS can be harder to buy and sell than other types of bonds, as they’re bought mainly by institutional investors. Many MBS are issued and sold in large denominations (like $25,000 minimums), but some are issued at $1,000 (like most other types of bonds). You can trade MBS through specialty bond brokers, which you can find at most major brokerages (like Charles Schwab or Merrill Edge). The easiest way to invest in MBS is through specialty mutual funds or ETFs. Though technically MBS are not fixed-income investments (because the payments can vary monthly), they’re usually included in that category (because they’re bonds).

Depreciation gets special IRS attention, and requires Form 4562. To fill out this form (whether you’re doing it with DIY software or providing info to your accountant), you’ll need to know the basis of your rental property. The basis for depreciation is different than the overall basis because land does not get depreciated, and may change over time if you make improvements to the property. To get started you’ll need to know: • The original purchase price of the property • The list of closing costs (most closing costs get added to the basis) • Land value, which you can find on the most recent property tax assessment paperwork • Additions or improvements you made that will add value for more than one year (think replaced roof, not repainted rooms) • The date the property was “placed in service,” meaning made available for rent The

When you’re ready to sell your rental property, you may be in for a very large windfall. That could produce a substantial tax bill, unless you take some steps to reduce that tax burden. There are three main ways to do that with rental properties: • Sell off some losing assets (like stocks that have plummeted) to offset the gain • Structure a special deal called a 1031 exchange • Turn the property into your primary residence for a couple of years before you sell

flipping business counts as a business for tax purposes (even if you’re just doing it as a side gig). All of your profits will be taxed at ordinary rates and be subject to self-employment taxes.

The basic premise of 1031 exchanges is the asset swap: you’re essentially trading one asset for another. To qualify here, the assets have to be real estate and be “like-kind.” Here are some examples of real estate assets that you could swap and benefit from the 1031 rules: • Single-family rental property • Multi-family rental property • Apartment building • Office building • Strip mall • Self-storage facility • Hotel • Raw land

How can it be so, this hovering sense of being both victim and perpetrator, both us and them, both me and him? Have we been expelled from an arcadia of fun where nature provided us with innocent automata, lowing and braying machines for our amusement? I doubt it. I doubt it very much. I tell you what I think, since you ask, since you dare to push your repulsive face at me, from out of the smooth paintwork of my heavily mortgaged heart. I think there was only so much fun to go round, only so much and no more available. We've used it all up country dancing in the gloaming, kissing by moonlight, eating shellfish while the sun shatters on our upturned fork and we make the bon point. And of course, the think about fun is that it exists solely in retrospect, in retroscendence; when you're having fun you are perforce abandoned, unthinking. Didn't we have fun, well, didn't we? You know we did. You're with me now, aren't you? We're leaving the party together. We pause on the stairs and although we left of our own accord, pulled our coat from under the couple entwined on the bed, we already sense that it was the wrong decision, that there was a hidden hand pushing us out, wanting to exclude us. We pause on the stairs and we hear the party going on without us, a shrill of laughter, a skirl of music. Is it too late to go back? Will we feel silly if we go back up and announce to no one in particular, 'Look, the cab hasn't arrived. We thought we'd just come back up and wait for it, have a little more fun.' Well, yes, yes, we will feel silly, bloody silly, because it isn't true. The cab has arrived, we can see it at the bottom of the stairs, grunting in anticipation, straining to be clutched and directed, to take us away. Away from fun and home, home to the suburbs of maturity. One last thing. You never thought that being grown up would mean having to be quite so - how can I put it? Quite so - grown up. Now did you? You didn't think that you'd have to work at it quite so hard. It's so relentless, this being grown up, this having to be considered, poised, at home with a shifting four-dimensional matrix of Entirely Valid Considerations. You'd like to get a little tiddly, wouldn't you? You'd like to fiddle with the buttons of reality as he does, feel it up without remorse, without the sense that you have betrayed some shadowy commitment. Don't bother. I've bothered. I've gone looking for the child inside myself. Ian, the Startrite kid. I've pursued him down the disappearing paths of my own psyche. I am he as he is me, as we are all . . . His back, broad as a standing stone . . . My footsteps, ringing eerily inside my own head. I'm turning in to face myself, and face myself, and face myself. I'm looking deep into my own eyes. Ian, is that you, my significant other? I can see you now for what you are, Ian Wharton. You're standing on a high cliff, chopped off and adumbrated by the heaving green of the sea. You're standing hunched up with the dull awareness of the hard graft. The heavy workload that is life, that is death, that is life again, everlasting, world without end. And now, Ian Wharton, now that you are no longer the subject of this cautionary tale, merely its object, now that you are just another unproductive atom staring out from the windows of a branded monad, now that I've got you where I want you, let the wild rumpus begin.

When something in society goes so wrong, that something is often a product of one very large agreement instead of the various small disagreements that consume the political sphere. Looming over the fights about which administration is to blame for housing becoming so unstable and what percentage increase this or that program is entitled to sits the inconsistency of America spending about $70 billion a year subsidizing homeownership through tax breaks like deferred taxes on capital gains and the mortgage interest deduction (MID), which allows homeowners to deduct the interest on their home loan from their federal income taxes. Together these tax breaks amount to a vast upper-middle-class welfare program that encourages people to buy bigger and more expensive houses, but because their biggest beneficiaries are residents of high-cost cities in deep blue redoubts like New York and California, even otherwise liberal politicians fight any attempt to reduce them. These programs are also entitlements that live on budgetary autopilot, meaning people get the tax breaks no matter how much they cost the government. Contrast that with programs like Section 8 rental vouchers, which cost about $20 billion a year, have been shown to be highly effective at reducing homelessness, and cost far less than the morally repugnant alternative of letting people live in tents and rot on sidewalks, consuming police resources and using the emergency room as a public hospital. That program has to be continually re-upped by Congress, and unlike middle-class homeowner programs, when the money runs out, it’s gone. This is why many big cities either have decades-long lines for rental vouchers or have closed those lines indefinitely on account of excess demand. The message of this dichotomy, which has persisted for decades regardless of which party is in charge and despite the mountains of evidence showing just how well these vouchers work, is that America is willing to subsidize as much debt as homeowners can gorge themselves on but that poor renters, the majority of whom live in market-rate apartments, are a penny-ante side issue unworthy of being prioritized.

If you qualify for one of these exceptions (and most landlords can), you’ll be able to deduct at least a portion of your rental property losses against all of your other income. The two exceptions cover landlords who “actively participate” and real estate professionals. Both of those come with some strict IRS definitions, so make sure you really qualify (your CPA will be able to help if you’re not sure) before you take the deduction.

Buying an investment property in a country you want to visit extensively or live in gives you a double helping of benefits. Through rent and property appreciation, your global getaway pays for itself and provides pre-relocating cash flow. Then, when you’re ready to be there, you already have a substantial holding and history in the country.

Only this doesn’t feel like we’re boyfriend and girlfriend. It feels like we’re married, Costco card in hand, and signing a thirty-year mortgage.

Banks generally avoid issuing small-dollar mortgages, not because they’re riskier—these mortgages have the same delinquency rates as larger mortgages—but because they’re less profitable

Many of us confuse happiness and joy. Happiness is often triggered by external events, events we usually have no control over—you get the promotion, he loves you back, they approve your mortgage application. Happiness camouflages a lot of fears. But joy is the absence of fear. Joy is your soul’s knowledge that if you don’t get the promotion, keep the relationship, or buy the house, it’s because you weren’t meant to. You’re meant to have something better, something richer, something deeper, Something More. Joy is where your life began, with your first cry. Joy is your birthright.

Conservative pundit Ann Coulter asserted it clearly, in capital letters, in the headline of one of her nationally syndicated columns: They Gave Your Mortgage to a Less Qualified Minority. Another conservative columnist, Jeff Jacoby, wrote, “What does it mean when Boston banks start making many more loans to minorities? Most likely, that they are knowingly approving risky loans in order to get the feds and the activists off their backs.” By 2008, Jacoby was declaring the financial crisis “a no-win situation entirely of the government’s making.” When asked during the market panic on September 17 about the root causes of the crisis, billionaire and then New York City mayor Michael Bloomberg told a Georgetown University audience that the end of redlining was to blame. “It probably all started back when there was a lot of pressure on banks to make loans to everyone….Redlining, if you remember, was the term where banks took whole neighborhoods and said, ‘People in these neighborhoods are poor; they’re not going to be able to pay off their mortgages. Tell your salesmen don’t go into those areas,’ ” Bloomberg said.

Yeah I'm one broken mofo. I still care for myself tho. Keep it tidy. Still fit. No one does blip for me. I still eat and mingle with nature. Still recovering. Depression is a bear. It doesn't help that my ever best friend spits bullets. I asked one innocent thing. I begged to drop g's no strings attached. I knew we'd hit it off, maybe for life. I ached for it. Your gift, my trampoline. A hug. Some fun. Some delightful brain food. A happy that would last ages. It's a catch-22 scenario. I begin in the negative to someday find happiness, but I need happiness to get me out of the negative. What am I supposed to do? Take drugs? I teemed for 24 hours anticipating you. That was quite a drug. You call it a conversation? Nah, we be flingin. It's something; a dash of hope. You guesser, judge, jury, executioner. Thinkin I'm some monster by default. Guesser of what I meant. Guessed wrong. It's a choice. You could help pull out the knife or stick it in deeper and twist it around. You do what you enjoy killa. For years I was the only one with a stable income. They told me I was too stupid for school. Instead, I worked to support my family. I worked near 24/7. Then wham, catastrophe. Eugenics at play. Without a support system or tools to defend, you're tossed. I had a lawsuit but I failed to act in time. From zero and stranded in the sticks, I failed lots, threw away lots, I managed to make some money with my skills. Eventually I helped get a house in a decent neighborhood. They let a drug addicted hooker in. I fought the drug fiends. I paid the mortgage debt, several months behind, to save the place, but in the end, I couldn't win. They insisted on moving here. I was the only one with money. I came with to battle the new crisis and to recoup my losses until I figured out what to do next. Couldn't just abandon the kids. Over time the situation improved. Drugs were defeated. I didn't intend to stay. This place got to me. I am ashamed and battered by it all. No, I don't mess with drugs. I found the landscape of my field where most of the jobs are at has changed extensively over the years. I wasn't concentrated on that area. I'm obsolete. Without a degree, you're auto discarded. Still ways in, but I need to be on my A-game. Not going anywhere without exuding confidence. I'm all twisted up inside. Loneliness eating at me. Cold cruel world. My best friend dodgin me. All work, all alone, as it's always been. Can't do it all alone. In the end, what do I get? A hostile mob? Walked in for a chat. What I got was wacked.

Investment firms are buying up more vacation homes, aiming to cash in on growing demand from tourists and remote workers. Most vacation rental homes are owned by small-time owners who list their properties on websites such as Airbnb Inc., but the number of financial firms investing in the sector is growing. New York-based investment firm Saluda Grade is launching a venture with short-term- rental operator AvantStay Inc. to buy about $500 million of homes, the companies said Tuesday. Saluda Grade said it is also looking to raise debt by selling mortgage bonds backed by its homes to investors, the first vacation-rental mortgage securitization, according to the company. Andes STR, a startup that buys and manages short-term rental homes on behalf of investors, also recently signed a deal with Chilean investment firm WEG Capital to buy roughly $80 million of properties in the U.S., Andes said. These investors are betting they can get higher returns if they rent out homes by the night instead of by the year. Low-interest rates have made it more attractive to borrow and Buy Traditional Rental Homes, inflating property prices and making it harder for new buyers to turn a profit. That has prompted some institutions and wealthy families to look in more obscure corners of the property market where competition is smaller, investment advisers say. Some are turning to investments in vacation homes, where demand has surged in many places during the pandemic as more people choose to work from remote locations and leisure travel heated up last year. “There’s a lot more yield available in the short-term market,” said Saluda Grade’s chief executive, Ryan Craft. It is the latest sign of how the pandemic is changing the way people work and live, and how real-estate investors are angling to find new ways to profit from these shifts. Saluda Grade is targeting homes within driving distance of major population centers, Mr. Craft said. His company will buy the homes and AvantStay will manage them for a fee. But while vacation-rental homes can offer higher returns, they also pose challenges to investors. Mortgages are usually more expensive and harder to get for short-term rentals than for owner-occupied homes, said Giri Devanur, CEO of reAlpha Tech Corp., a startup that wants to pool money from small-time investors to buy short-term-rental homes.

If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s annual realized income.

Trillions of dollars in homeowner equity…so are the best “captains” of “equity conversion airplanes” the homeowners themselves? No. There is an impetus placed upon real estate professionals - as well as an implied responsibility - to honestly, to effectively and to accurately communicate reality to home sellers. An inability to do so? Fewer real estate listings. Lower sale prices for home sellers. Less equity converted into cash for home sellers. Less revenue for real estate companies. Inopportune…across the board. Three years ago, American homeowners were custodians of an estimated $19 trillion in homeowner equity. Furthermore, over the past three years - even with these stubbornly-elevated mortgage rates - we witnessed an uninterrupted, further run-up in home prices. More equity gained, for American homeowners. As mortgage rates ease downwards heading into the fall, unlocking trillions of dollars in homeowner equity - as a result of more homeowners deciding to either trade up to larger homes, or to downsize to smaller homes, circumstances permitting - will trigger a large-scale (and an upcoming) re-thinking of this following question by more and more homeowners: What shall we now do with this equity we have in our home? So what’s the plan? In real estate, the effective utilization of well-tested "tools,” such as 3-D tours and virtual staging, coupled to good marketing processes - I.e.: a Marketing Plan - deployed by successful real estate teams is a great way for homeowners to convert the equity they have in their homes into cash. It works. Ok, so if you are a for sale by owner home seller in 2024, data indicate that an over-reliance in - as well as, maybe, blind faith placed upon(?), “the Internet,” if you decide to sell your home yourself, FSBO, could lead to an entirely avoidable (and a costly) home selling misadventure. As well as to a saddened foray for home sellers into this unintended outcome: lower sale prices.

He runs a crew that’s been doing real-estate scams in Florida. They’d buy and sell the same house four or five times among themselves to jack up the price, take out a giant mortgage, and then walk away. That worked in boom times when houses were going up. Now they’re taking money to prevent foreclosures. The victim signs his house over to them.

She nodded. “We live and die with each new news cycle.” “I meant our marriage.” “I already filed for divorce; Bud’s attorneys are handling it. You can have the house, we’re upside-down on the mortgage. Bud already moved my stuff out.” “He’s an efficient guy.” “Don’t be bitter, Jonas. We had a nice run. Thankfully, there are no rug-rats to complicate our lives.” “That’s because you never wanted any.” He looked to the east as the chopper approached. “What about Bud? Does he want kids?” “Bud wants me.” She noticed Terry watching from the bridge. “She likes you.

To hell with the issues. I have a wife and three kids, a mortgage and a car loan; they’re my issues. I’ve fought my way up to regional sales manager and I have a shot at national sales director in a few years’ time. I’ve worked my socks off for this and no one’s going to take it away from me: not rioting Negroes, not drug-taking hippies, not Communists working for Moscow, and certainly not a softhearted liberal like Hubert Humphrey. I don’t care what you say about Nixon, he stands for people like me.” At that moment Dave felt, with an overwhelming sense of impending doom, that Nixon was going to win.

Actual estate is a form of funding Real estate is a form of funding and is shortly being adopted by many individuals. The advantages of real property investments are many as mentioned here.There's a widespread adage that says don't put all your eggs in a single basket. That is the place actual property steps in to provide diversification. Diversification means spreading the danger of your cash. Real estate gives one other way of investing money relatively than investing it multi function place. One other advantage of real estate investment is that it ensures one a supply five on shenton of income for a very long time. It's because actual estate will at all times have shoppers who need to purchase or lease homes or premises for residential or enterprise functions respectively. This form of funding serves as a further income other than the normal wage one receives. Better still while you retire it is going to nonetheless be your revenue source. The other benefit is that one doesn't should be bodily present to get the revenue. Thirdly, you get to have leverage over all OPMS. It's easy for an individual who is in actual property to get a house and pay it off over a long time period. Generally the deal is so good that some brokers get as many as 30 years to pay off their mortgages! It's also a way of leaving one’s legacy behind that will probably be remembered for a few years to come even after one’s demise. Regardless of the very fact of the massive sum of money required to begin, the benefits of real estate investments that you're going to get are simply many.

Beliefs of this sort—that I’m not attractive enough, so why bother; or that my boss is an asshole, so why bother—are designed to give us moderate comfort now by mortgaging greater happiness and success later on. They’re terrible long-term strategies, yet we cling to them because we assume we’re right, because we assume we already know what’s supposed to happen. In other words, we assume we know how the story ends. Certainty is the enemy of growth. Nothing is for certain until it has already happened—and even then, it’s still debatable. That’s why accepting the inevitable imperfections of our values is necessary for any growth to take place. Instead

An installment loan is a loan in which there are a fix number of scheduled payments in due course. Many special types of loans are installment loans, including auto loans and mortgages. An installment loan can last for many months and payments are evenly spread out over the period of the loan. So! If an emergency expense just popped up, or you're short on money to covering your bills this month, don’t stress - an installment loan from Installmentloansontario.Ca may be for you.

The world needs the work of people who are not constantly worried about their rent and mortgage payments. Because it's when you don't worry about the money when your work counts the most. And the world needs that work. And it needs people who don't have to wait until they're 60 years old to actually do it." - Chelsea Baldwin

There is no social upheaval that will really affect them. If you’re comfortably middle-class, what’s the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine – but maybe cheaper – go on holiday – but somewhere nearer – and pay off your mortgage – although maybe later. ‘Consider, now, then, the poor. What’s the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school – with no escape route to a prep. It can have you out of your house and in a B&B by the end of the year. When the middle-classes get passionate about politics, they’re arguing about their treats – their tax-breaks and their investments. When the poor get passionate about politics, they’re fighting for their lives.

Beginning with a handful of outstanding intellectual refugees from interwar Europe, we pass through two generations of academic economists intent on re-configuring their discipline … and arrive at the banking, mortgage, private finance and hedge fund scandals of recent years.

Here are the top three warning signs [you're at risk of foreclosure]: * You used to think nobody cared when your phone rarely rang. Then you missed a couple of house payments. * You're glad gas prices have fallen so you can afford it if you have to move into your car. * You're ready to say, "Let's make a deal" and trade your upside-down house for whatever's behind Door #3.

Despite your delusions to the contrary, swingers, by and large, are a civilized lot. We come in all ages, shapes, sizes, nationalities, and ethnicities. We have differing beliefs, varying opinions, IQs, and senses of humor. We have families, friends, careers, hobbies, mortgages, and retirement plans. In short, we’re just like everyone else. We don’t strap on leather chaps and nipple clamps to go about our day. Wearing kinks on our sleeves like badges of honor isn’t our style. Truth be told, we don’t talk that much about our dalliances—-at least not to Vanilla folk. We’re not ashamed. We simply assume most of the world doesn’t get our way of life. And more times than not, we’re right.

The combination of these two trends - declining real wages and inflated asset prices - led the American middle class to use debt as a substitute of income. People lacked adequate earnings but felt wealthier. A generation of Americans grew accustomed to borrowing against their homes to finance consumption, and banks were more than happy to be their enablers. In my generation, second mortgages were considered highly risky for homeowners. The financial industry re-branded them as home equity loans, and they became ubiquitous. Third mortgages, even riskier, were marketed as 'home equity lines of credit.