Real Estate Developers Quotes

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.

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.

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.

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.

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.

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.

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.)

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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

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.

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.

The materials we provide from 0 to 3 determine what finger grips children will use and what stories they will tell. The purpose is not to create “artsy” products but to develop the hand skills that are required for any endeavor, because movement occupies the same real estate in the brain as thinking. Because each material causes children to move the hand in different ways, materials powerfully stimulate thinking (Ratey, 2002). Diverse materials are equally important to awaken interest in different children. From birth each child is unique; each group and each individual has different interests. Having varied materials ensures that there is something for everyone.

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Fist Century Christians never aspired to be "relevant" or “contemporary” with their present day culture. In fact, they resisted the secular influence of the Roman Greco Empire even to the point of their own death. Today there is a movement at large attempting to “re-brand" Christianity. It is lead by those who see themselves as a new breed of Church ‘innovators” with a new approach to building Christ’s Church by utilizing a combination of creative marketing techniques, corporate strategies, real estate development and personal development techniques. Amidst all the religious noise and board room business, I hear the sound of a movement underway, it’s the sound of people determined to return to the Churches organic roots. People exhausted and wounded by the big corporate machine of religion, desperate for an authentic touch of Jesus. There is a NEW Church that it coming...it is a pure reflection of the very first one. Acts 2

We have not had a free market in real estate for eighty years,” Ellen Dunham-Jones, Georgia Tech professor of architecture and coauthor of Retrofitting Suburbia, told me. “And because it is illegal to build in a different way, it takes an immense amount of time for anyone who wants to do it to get changes in zoning and variance. Time is money for developers, so it rarely happens.

There are six that I think are really important and they are US stocks, US Treasury bonds, US Treasury inflation-protected securities [TIPS], foreign developed equities, foreign emerging-market equities, and real estate investment trusts [REITs].

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.

Mature development companies have built a network of relations with financial, political, and professional players and have cash flow and assets that confer staying power, the so-called deep pockets. These firms tend to focus on larger, more sophisticated projects that tend to be more profitable and that require fewer managers than multiple smaller, less predictable projects. With higher barriers to entry, they usually face less competition.

Portland’s affordability is also being pressured by investors so bullish on this city’s single-family housing they’ve bought properties by the dozen on the heels of the recession, driving up prices and rents as they go. Traditional real estate investors — flippers, remodelers and developers, companies that to some extent have always been here — have been joined by hundreds of private investors and new private equity firms out to make money for investors through real estate.

For some companies and investors, it’s all a bit of financial fun. Castle Partners, L.P., a pooled investment vehicle registered in Delaware, bought properties through its Oregon affiliate Castle Advisors using several companies with variations on the name COTD, an apparent play on the seafood menu phrase “Catch Of The Day.” One real estate developer held property in a company called Boondoggle LLC. Another bought six houses with My Financial Workout.

If there was history being made in the city, if history was the high-level war rich people waged for their own turf in the city—those wars about waterfront developments and opera houses and real-estate deals and privatization contracts—then the poor waged wars for control of their small alleyways and walkways, their streets and the trade in unofficial goods. Their currency was not stocks, wealth and influence peddling, but tough reputations and threats of physical damage; their gains weren’t stock options and expensive homes but momentary physical control and perennially contested fearsomeness. This war was a more volatile war, perhaps. There was no cushion of security to land on if you lost a skirmish.

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.

Superstorm Sandy, meanwhile, has been a windfall for New Jersey real estate developers who have received millions for new construction in lightly damaged areas, while it continues to be a nightmare for those living in hard-hit public housing, much as the aftermath of Hurricane Katrina played out in New Orleans.10

Why did you get laid off?   The reality is because a bunch of inept bankers, criminal real estate developers, amoral mortgage brokers and corrupt politicians created the world’s largest housing bubble.  But ironically, the average man during the Great Recession probably took this personally, illogically blaming his sole self for the entire financial crisis of 2009.  Worse still, men across America felt an incredible amount of guilt and shame for not being able to provide for their families.  And worse than that, how many men committed suicide because of a recession that was not caused by them?  All of this can be avoided in mastering the skill of recognizing what you do and do not control.

FROM JACKSON TO HILLARY The full story, however, is told in Steve Inskeep’s recent book Jacksonland, which I will rely on for my subsequent account. “Jackson managed national security affairs in a way that matched his interest in land development,” Inskeep notes. “He shaped his real estate investments to complement his official duties, and performed his official duties in a way that benefited his real estate interests.”16 As Inskeep shows, typically Jackson would set his eye on a large tract of Indian territory. Then, even before chasing the Indians off that territory, Jackson would send surveyors in to assess the land in terms of its real estate value. Jackson would then alert his cronies, and together they would make a bid to purchase that real estate. In this way Jackson became a Tennessee plantation magnate and one of the largest slave owners in his home state. Jackson was a ruthless con artist who became fabulously wealthy by trading on his political office. Sound familiar? His career illustrates the familiar Democratic story of leaders making sure that when there are spoils to be distributed, the lion’s share goes to them. Obviously not all Democrats use their political positions to get rich, but a number of them, from Jackson himself to Lyndon Johnson to Bill Clinton, certainly did. Jackson’s true modern counterpart—as you have probably figured out by now—is Hillary Clinton. Their stories are closely parallel. If Hillary started out “dead broke,” as she claims she did, after her husband’s presidency, so did Jackson begin with nothing as an orphan. Neither of them became successful through starting and running a successful business. Rather, they cashed in on their political influence. Just as Jackson made money on land deals stemming from his success as a general, Hillary too figured out ways to enrich herself through her government positions, becoming fabulously wealthy in just a few years.

Development is always a team effort. The lenders, contractors, professional consultants, and other specialists described in this chapter represent the major players with whom developers must be familiar, but they are not the only ones.

A common practice among even very large firms is for the principals to retain the responsibility for making deals, initiating and maintaining strategic relationships, hiring and compensation, the activities most reliant on personal contacts, reputation, and understanding of

Smaller firms are more often organized by project, larger ones by function. That is, owners of small firms tend to appoint one individual to be in charge of each project, with the group working on that project responsible for all aspects of it—financing, construction, marketing, leasing, and general management. In large firms, on the other hand, one group is responsible for each key function across all projects.3 In some organizations, employees report to two different managers, one responsible for function and the other for

Nonetheless, the time and effort spent in finding the best possible team are a good investment. Developers can spend as much time in search of relationships as they do in seeking investment capital.

Landowners may contribute their property as equity—always scarce for the beginning developer—but they might also supply debt, via seller financing, at terms unavailable through financial institutions. Even if they do not materially participate, landowners can tie up land while financing and approvals are obtained. In income property, key tenants might also be offered partnerships to induce them to lease space in the project, particularly if the project can be designed around the tenant’s specific needs.

The full story, however, is told in Steve Inskeep’s recent book Jacksonland, which I will rely on for my subsequent account. “Jackson managed national security affairs in a way that matched his interest in land development,” Inskeep notes. “He shaped his real estate investments to complement his official duties, and performed his official duties in a way that benefited his real estate interests.”16

To quiet the land. When there has been unspecific trauma on the land and residents feel the impact, it is possible to do a constellation to identify the trauma and ask blessing of the land To inform land use: reforestation, development of both the land and communities that interface with the land To inform architectural design: Identify locations for green spaces and test environmentally sound building materials To inform energy choices: passive solar, hydro, wind, alternative building practices To support real estate transactions- Why won’t a place sell, supporting potential buyers to be able to look at properties in a systemic way To support environmentally based community action agencies Work with pets- both for veterinary practice and to

I’m Captain Florida, the state history pimp Gatherin’ more data than a DEA blimp West Palm, Tampa Bay, Miami-Dade Cruisin’ the coasts till Johnny Vegas gets laid Developer ho’s, and the politician bitches Smackin’ ’em down, while I’m takin’ lots of pictures Hurricanes, sinkholes, natural disaster ’Scuse me while I kick back, with my View-Master (S:) I’m Captain Florida, obscure facts are all legit (C:) I’m Coleman, the sidekick, with a big bong hit (S:) I’m Captain Florida, staying literate (C:) Coleman sees a book and says, “Fuck that shit” Ain’t never been caught, slippin’ nooses down the Keys Got more buoyancy than Elián González Knockin’ off the parasites, and takin’ all their moola Recruiting my apostles for the Church of Don Shula I’m an old-school gangster with a psycho ex-wife Molly Packin’ Glocks, a shotgun and my 7-Eleven coffee Trippin’ the theme parks, the malls, the time-shares Bustin’ my rhymes through all the red-tide scares (S:) I’m the surge in the storms, don’t believe the hype (C:) I’m his stoned number two, where’d I put my hash pipe? (S:) Florida, no appointments and a tank of gas (C:) Tequila, no employment and a bag of grass Think you’ve seen it all? I beg to differ Mosquitoes like bats and a peg-leg stripper The scammers, the schemers, the real estate liars Birthday-party clowns in a meth-lab fire But dig us, don’t diss us, pay a visit, don’t be late And statistics always lie, so ignore the murder rate Beaches, palm trees and golfing is our curse Our residents won’t bite, but a few will shoot first Everglades, orange groves, alligators, Buffett Scarface, Hemingway, an Andrew Jackson to suck it Solarcaine, Rogaine, eight balls of cocaine See the hall of fame for the criminally insane Artifacts, folklore, roadside attractions Crackers, Haitians, Cuban-exile factions The early-bird specials, drivin’ like molasses Condo-meeting fistfights in cataract glasses (S:) I’m the native tourist, with the rants that can’t be beat (C:) Serge, I think I put my shoes on the wrong feet (S:) A stack of old postcards in another dingy room (C:) A cold Bud forty and a magic mushroom Can’t stop, turnpike, keep ridin’ like the wind Gotta make a detour for a souvenir pin But if you like to litter, you’re just liable to get hurt Do ya like the MAC-10 under my tropical shirt? I just keep meeting jerks, I’m a human land-filler But it’s totally unfair, this term “serial killer” The police never rest, always breakin’ in my pad But sunshine is my bling, and I’m hangin’ like a chad (S:) Serge has got to roll and drop the mike on this rap . . . (C:) Coleman’s climbin’ in the tub, to take a little nap . . . (S:) . . . Disappearin’ in the swamp—and goin’ tangent, tangent, tangent . . . (C:) He’s goin’ tangent, tangent . . . (Fade-out) (S:) I’m goin’ tangent, tangent . . . (C:) Fuck goin’ platinum, he’s goin’ tangent, tangent . . . (S:) . . . Wikipedia all up and down your ass . . . (C:) Wikity-Wikity-Wikity . . .

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.

The rise of Mohammed bin Salman was as remarkable as it was unexpected. In 2010 he was the unknown younger son of the governor of Riyadh; by 2019 he was arguably the single most prominent leader in the Arab world. In 2010 he had held no official position, spending his time trading stocks, developing real estate, and buying expensive cars—most notably, a multi-million-dollar fire-engine-red Bugatti.

33% US Total Bond Index 27% US Total Stock Index 14% Developed (Foreign) Markets Index 14% Emerging Markets Stock Index 12% US REIT Index (Real Estate)

The cycle in real estate illustrates and exemplifies the ways in which cyclical factors lead to and cause each other, as well as the tendency of cycles to go to extremes. It’s not for nothing that they often say cynically—in tougher times, when optimistic generalizations can no longer be summoned forth—that “only the third owner makes money.” Not the developer who conceived and initiated the project. And not the banker who loaned the money for its construction and then repossessed the project from the developer in the down-cycle. But rather the investor who bought the property from the bank amid distress and then rode the up-cycle.

As I travel around the financial services industry today, the most interesting trend I see is the one toward relationship consolidation. Now that Glass-Steagall has been repealed, and all financial services providers can provide just about all financial services, there's a tendency - particularly as people get older - to want to tie everything up... to develop a plan, which implies having a planner. A planner, not a whole bunch of 'em... You've got basically two options. One is that you can sit here and wait for a major investment firm, which handles your client's investment portfolio while you handle the insurance, to bring their developing financial and estate planning capabilities to your client's door. And to take over the whole relationship. In this case, you have chosen to be the Consolidatee. A better option is for you to be the Consolidator. That is, you go out and consolidate the clients' financial lives pursuant to a really great plan - the kind you pride yourselves on. And of course that would involve your taking over management of the investment portfolio. Let's start with the classic Ibbotson data [Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates]. In the only terms that matter to the long-term investor - the real rate of return - he [the stockholder] got paid more like three times what the bondholder did. Why would an efficient market, over more than three quarters of a centry, pay the holders of one asset class anything like three times what it paid the holders of the other major asset class? Most people would say: risk. Is it really risk that's driving the premium returns, or is it volatility? It's volatility.... I invite you to look carefully at these dirty dozen disasters: the twelve bear markets of roughly 20% or more in the S&P 500 since the end of WWII. For the record, the average decline took about thirteen months from peak to trough, and carried the index down just about 30%. And since there've been twelve of these "disasters" in the roughly sixty years since war's end, we can fairly say that, on average, the stock market in this country has gone down about 30% about one year in five.... So while the market was going up nearly forty times - not counting dividends, remember - what do we feel was the major risk to the long-term investor? Panic. 'The secret to making money in stocks is not getting scared out of them' Peter Lynch.

One morning, a real estate developer named Robert Maguire came for a meeting at the ARCO offices. He stood by a window and looked down on the library and the shambles it was becoming. At that moment, he made a decision to do what he could to fix it.

Maguire is one of the most successful real estate developers in the city. Many of his biggest projects were downtown. Like many people, including the architectural preservationists who had been so instrumental in keeping the library intact so far, Maguire hoped Los Angeles would develop a city center that actually felt like a city center. A blighted library in the middle of it wouldn’t do. He was used to building new things, but he loved the Goodhue Building and was committed to the idea of saving and rehabilitating it. He also knew that ARCO, then a major corporate and philanthropic force in Los Angeles, favored saving the original building. Lodwrick Cook, the ARCO chairman, didn’t want a skyscraper replacing the library and blocking his view, and Robert Anderson, ARCO’s CEO, was a devotee of vintage architecture.

Six asset classes provide exposure to well-defined investment attributes. Investors expect equity-like returns from domestic equities, foreign developed market equities, and emerging market equities. Conventional domestic fixed-income and inflation-indexed securities provide diversification, albeit at the cost of expected returns that fall below those anticipated from equity investments. Exposure to real estate contributes diversification to the portfolio with lower opportunity costs than fixed-income investments.

One spring evening in 1896, a prominent Pennsylvanian named Hamilton Disston blew his brains out in a bathtub. He had become gravely depressed after depleting his inheritance on a grandiose campaign to drain 4 million acres of Florida swamp known as the Everglades. Although Disston died believing himself a failure, he was later proven a pioneer and an inspiration. In the years that followed, one version or another of his rapacious fantasy was pursued by legions of avaricious speculators—land developers, bankers, railroad barons, real-estate promoters, citrus growers, cattle ranchers, sugar tycoons and, last but not least, the politicians they owned.

Decide early on if it’s a short- or long-term play. Speculators can make money by buying in new condo developments very early and then flipping the units at the first opportunity for a quick profit.

Sugar Land, Texas, the crown jewel of Fort Bend County, was founded more than a hundred years ago as a cotton and sugar plantation. Which, apparently, is license enough for real estate developers to boldly embrace “plantation-style living

Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive.

But let’s be clear: the madness of everyday life was its own issue. It didn’t have any relationship to whether or not Christianity was bullshit. Obviously, Christianity was total bullshit. It was the most insane bullshit! But it was impossible to make an argument against superstition and magical nonsense, and have it stick, when that argument was delivered from a society where every citizen was a magician. And yes, reader, that includes you. You too are a magician. Your life is dominated by one of the oldest and most perverse forms of magic, one with less interior cohesion than the Christian faith, and you invest its empty symbolism with a level of belief that far outpaces that of any Christian. Here are some strips of paper and bits of metal! Watch as I transform these strips of paper and bits of metal into: (a) sex (b) food (c) clothing (d) shelter (e) transportation that allows me to acquire strips of paper and bits of money (f) intoxicants that distract me from my endless pursuit of strips of paper and bits of metal (g) leisure items that distract me from my endless pursuit of strips of paper and bits of metal (h) pointless vacations to exotic locales where I will replicate the brutish behavior that I display in my point of origin as a brief respite from my endless pursuit of strips of paper and bits of metal (i) unfair social advantages that allow my rotten children to undertake their own moronic pursuits of strips of paper and bits of metal. Humiliate yourself for strips of paper. Murder for the strips of paper. Humiliate others for the strips of paper. Worship the people who’ve accumulated such vast quantities of strips of paper that their strips of paper no longer have any physical existence and are now represented by binary notation. Treat the vast accumulators like gods. Free blowies for the moldering corpse of Steve Jobs! Fawning profile pieces for Jay-Z! The Presidency for billionaire socialite and real-estate developer Donald J. Trump! Kill! Kill! Kill! Work! Work! Work! Die! Die! Die! Go on. Pretend this is not the most magical thing that has ever happened. Historical arguments against Christianity tended to be delivered in tones of pearl-clutching horror, usually by subpar British intellectuals pimping their accent in America, a country where sounding like an Oxbridge twat conferred an unearned credibility. Yes, the Crusades were horrible. Yes, the Inquisition was awful. Yes, they shouldn’t have burned witches in Salem. Yes, there is an unfathomable amount of sexually abused walking wounded. Yes, every Christian country has oriented itself around the rich and done nothing but abuse the fuck out of its poor. But it’s not like the secular conversion of the industrialized world has alleviated any of the horror. Read the news. Murder, rape, murder, rape, murder, rape, murder, rape, murder, rape, murder, rape...Despair. All secularism has done, really, is remove a yoke from the rich. They’d always been horrible, but at least when they still paid lip service to Christian virtues, they could be shamed into philanthropy. Now they use market forces to slide the whole thing into feudalism. New York University built a campus [in Abu Dhabi] with slave labor! In the Twenty-First Century AD! And has suffered no rebuke! Applications are at an all-time high! The historical arguments against Christianity are as facile as reviews on Goodreads.com, and come down to this: Why do you organize around bad people who tell you that a Skyman wants you to be good? To which the rejoinder is: yes, the clergy sucks, but who cares how normal people are delivered into goodness?

Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive. At the time, the Federal Housing Administration and Veterans Administration not only refused to insure mortgages for African Americans in designated white neighborhoods like Ladera; they also would not insure mortgages for whites in a neighborhood where African Americans were present. So once East Palo Alto was integrated, whites wanting to move into the area could no longer obtain government-insured mortgages. State-regulated insurance companies, like the Equitable Life Insurance Company and the Prudential Life Insurance Company, also declared that their policy was not to issue mortgages to whites in integrated neighborhoods. State insurance regulators had no objection to this stance. The Bank of America and other leading California banks had similar policies, also with the consent of federal banking regulators. Within six years the population of East Palo Alto was 82 percent black. Conditions deteriorated as African Americans who had been excluded from other neighborhoods doubled up in single-family homes. Their East Palo Alto houses had been priced so much higher than similar properties for whites that the owners had difficulty making payments without additional rental income. Federal and state hosing policy had created a slum in East Palo Alto. With the increased density of the area, the school district could no longer accommodate all Palo Alto students, so in 1958 it proposed to create a second high school to accommodate teh expanding student population. The district decided to construct the new school in the heart of what had become the East Palo Alto ghetto, so black students in Palo Alto's existing integrated building would have to withdraw, creating a segregated African American school in the eastern section and a white one to the west. the board ignored pleas of African American and liberal white activists that it draw an east-west school boundary to establish two integrated secondary schools. In ways like these, federal, state, and local governments purposely created segregation in every metropolitan area of the nation.

Unlike my grandfather, 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. Over Donald’s lifetime, as his failures mounted despite my grandfather’s repeated—and extravagant—interventions, his struggle for legitimacy, which could never be won, turned into a scheme to make sure nobody found out that he’s never been legitimate at all. This has never been more true than it is now, and it is exactly the conundrum our country finds itself in: the government as it is currently constituted, including the executive branch, half of Congress, and the majority of the Supreme Court, is entirely in the service of protecting Donald’s ego; that has become almost its entire purpose.

fee is typically 3-6 percent of the landlord TI

FIVE WAYS TO DEVELOP A GROWTH MINDSET Acknowledge and embrace weaknesses. Don’t seek approval; focus on what you want. Use failures and challenges as opportunities to grow. Have an attitude of determination and perseverance. Believe that genius is talent plus hard work.

Trump did not see the law as an impediment, a mind-set forged as a real estate developer. A developer could always just sue, battle it out in court, and negotiate some middle ground.

As integral places in rural development, villages in Afghanistan should be merged in the industrial estates. If this happens the Afghanistan regime will be in a transition state and pave the way for secularism, federalism and real democracy.

Del Webb, an Arizona real estate developer, popularized the term “retirement community” in 1960 when he launched Sun City, a community in Phoenix that was among the first to limit its residents to retirees. It was a controversial idea at the time.

Viewed from St. Louis, the history of capitalism in the United States seems to have as much to do with eviction and extraction as with exploitation and production. History in St. Louis unfolded at the juncture of racism and real estate, of the violent management of the population and the speculative valuation of property. The first to be forced out were Native Americans, who were pushed west and killed off by settlers and the US military. But in St. Louis the practices of removal and containment that developed out of the history of empire in the West were generalized into mechanisms for the dispossession and management of Black people within the city limits. And because removal is fundamentally about controlling the future, about determining what sorts of people will be allowed to live in what sorts of places, it is always concerned with the control of gender, sexuality, and reproduction; often women and children are singled out for particular sanction and targeted violence.

20% US Total Stock Index 20% Developed (Foreign) Markets Index 20% US REIT Index (Real Estate) 15% Long-term US Treasuries Index 15% US TIPS Index (Treasury inflation-protected) 10% Emerging Markets Stock Index

protected securities [TIPS], foreign developed equities, foreign emerging-market equities, and real estate investment trusts [REITs].

Solid global real estate ETFs include: • Vanguard Global ex-US Real Estate ETF (VNQI) • WisdomTree Global ex-US Real Estate Fund (DRW) • iShares International Developed Real Estate ETF (IFGL)

The more obvious features of the speculative episode are manifestly clear to anyone open to understanding. Some artifact or some development, seemingly new and desirable—tulips in Holland, gold in Louisiana, real estate in Florida, the superb economic designs of Ronald Reagan—captures the financial mind or perhaps, more accurately, what so passes. The price of the object of speculation goes up. Securities,

So the city became the material expression of a particular loss of innocence—not sexual or political innocence but somehow a shared dream of what a city might at its best prove to be—its inhabitants became, and have remained, an embittered and amnesiac race, wounded but unable to connect through memory to the moment of the injury, unable to summon the face of their violator. 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. To all appearance resolute, adventurous, manly, the city could not shake that terrible all-night rape, when “he” was forced to submit, surrendering, 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. So,

At the height of this construction frenzy, a couple of opportunistic real estate developers hang a sign near the top of the hills surrounding the valley to advertise their new housing development. It has fifty-foot-high white letters that spell out HOLLYWOODLAND. It is meant to stay there only for one year, or until all the units are sold, whichever happens first, but it never comes down. Shortened to HOLLYWOOD in 1949, it becomes a hovering symbol of the industry of dreams, and to this day watches over Tinseltown like the giant statue of Jesus over Rio de Janeiro. With

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.

Solomon Cordwell Buenz has become Oakland’s most active designer of towers, thanks to its cost-conscious design approach and relationship with developers. Oz Erickson, principal of the Emerald Fund, liked SCB’s work so much that he hired them for two nearby projects in the Civic Center area. He credits SCB for both its aesthetics and its cost-conscious approach.

Net wages: “It’s not what you make, but what you net” after paying the FIRE sector, basic utilities and taxes. The usual measure of disposable personal income (DPI) refers to how much employees take home after income-tax withholding (designed in part by Milton Friedman during World War II) and over 15% for FICA (Federal Insurance Contributions Act) to produce a budget surplus for Social Security and health care (half of which are paid by the employer). This forced saving is lent to the U.S. Treasury, enabling it to cut taxes on the higher income brackets. Also deducted from paychecks may be employee withholding for private health insurance and pensions. What is left is by no means freely available for discretionary spending. Wage earners have to pay a monthly financial and real estate “nut” off the top, headed by mortgage debt or rent to the landlord, plus credit card debt, student loans and other bank loans. Electricity, gas and phone bills must be paid, often by automatic bank transfer – and usually cable TV and Internet service as well. If these utility bills are not paid, banks increase the interest rate owed on credit card debt (typically to 29%). Not much is left to spend on goods and services after paying the FIRE sector and basic monopolies, so it is no wonder that markets are shrinking. (See Hudson Bubble Model later in this book.) A similar set of subtrahends occurs with net corporate cash flow (see ebitda). After paying interest and dividends – and using about half their revenue for stock buybacks – not much is left for capital investment in new plant and equipment, research or development to expand production.

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.

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.

Chris Papero has a long history in the world of luxury transportation and over 20 years of experience in aviation. Over this time, he has facilitated transactions ranging from Cessna’s to Gulfstream G-550’s and has provided thousands of hours in consultation and execution of aviation charters, fractional, card and membership aviation programs, and yacht charters.As a pilot, boat owner, auto enthusiast, former real estate developer and business development executive, Chris brings a unique expertise and personal passion to Asset Acquisition.

As a pilot, boat owner, auto enthusiast, former real estate developer and business development executive, Chris brings a unique expertise and personal passion to Asset Acquisition.

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Ricardo Santa Cruz is a real estate developer with an innovative mind and a penchant for smart investing.

In the early days of my first property management and real estate deals, there was a lot of trial and error and I made my share of mistakes. But for every one mistake I made, I learned ten lessons and got smarter every day. I started to see patterns, discover formulas and systems, and develop a network of people I could count on. It took time and it took work, but the more I pursued my dream, the luckier I felt and the more often magical opportunities presented themselves to me.