Each Texas Holdem starting hand list has Suited Big Slick (AK for poker shorthand) near the top. It is a very powerful starting hand and it shows a payoff over time if played well. But it is not a self-made hand and cannot be treated as such.

Let’s look at some of the probabilities involving AK before the flop.

Against any pair, even a simple pair of twos, Big Slick, at best, flips a coin. He’s a bit of a loser at times because if he doesn’t create a hand with the cards on the board, the Ace High will lose to a pair.

Against hands like AQ or KQ where you have the highest of the cards in the opposing “covered” hand, AKs are roughly a 7 to 3 favorite. That’s as good as preflop with this hand. It is as good as facing AK against 72 of another suit.

Against a better hand, say suited JT, your odds are roughly 6 to 4 in your favor. Better than flipping a coin, but maybe not as much of a favorite as you might think.

When the flop lands, the value of your hand will probably be clear. If you hit the top pair on the board, you have a huge advantage with a top pair / top kicker situation. You will often win bets made by players with the same pair, but with a lower kicker.

You’ll also beat good starting hands like QQ and JJ if they don’t flop their set. Not to mention, if you flop a flush or a flush draw, you are attracting the best bet, or the best possible color. These are all things that make AKs a good starting hand.

But what if the flop comes and misses you. You will still have two top cards (cards higher than any of the cards on the board). What are your chances now of catching an Ace or a King on the turn or river and saving your hand? Of course, this only works if a pair can save the hand and will be good enough to win the pot.

If the Ace or King that you would like to land on the table does not also fill someone else’s straight or flush draw, you would have six cards (three Kings remaining and three Aces remaining) that can give you the top pair.

With those six outs, the odds of getting your card on the turn are roughly one in eight, so if you plan to put money in the pot to chase it, Look for at least seven dollars for every dollar you are willing to bet. to keep the pot odds the same. Those odds don’t change much on the river.

While playing poker by the odds does not guarantee that you win every hand, or even every session, not knowing Odds are a dangerous situation for anyone at the poker table thinking of risking their money in a pot.

As a result of the 2010-2012 Christchurch earthquakes in New Zealand, more and more Canterbury policyholders are settling their earthquake claims with cash. Insurers began aggressively pursuing cash settlement in 2014 in an attempt to cash settlement as many claims as possible. As a consequence of insurers’ slowness in settling property claims, frustrated, stressed, and impatient policyholders run the risk of accepting cash settlements without regard to the escalation allowance between the time of accepting the settlement offer and the moment when the construction contract has been correctly fulfilled. appraised and appraised. Add to this invisible damage and no-cost foundations along with potential hyperinflation in materials and labor (increased demand) as the post-earthquake recovery phase accelerates. This is a very worrying development and any homeowner looking to settle in cash should think seriously before entering into any such deal. At least independent legal or technical advice should be sought. At a minimum, make sure you understand the difference between total reinstatement costs (actual costs associated with building a similar home) versus settlement value (fair market value of property). For you, the owner, there is a significant risk of unfunded cost overruns, as repairs or rebuilds are limited to a “notional” claims position rather than the actual cost of the repair or rebuild. Insurers and their project management companies are making “best estimate” concessions for foundations, especially on damaged land, and cost overruns can cost tens of thousands of dollars.

A cash settlement represents the ‘actual cash value’ of the loss, which is the lowest value of the used property compared to new ones, for example bathroom cabinets that are ten years old are worth less than new bathroom cabinets. kitchen, so its actual cash value is less than cost. of new cabinets. Homeowners, to be fully protected, have generally purchased full replacement policies in many cases that are designed to pay for the full replacement cost even if the cost is more than the current value of the item. -Cost policy, the owner is entitled to new bathroom cabinets in lieu of the difference between the actual cash value of the old cabinets and the price of the new ones.

Cash settlement is the situation where your private insurer pays you a sum of money to settle your insurance claim. Then you make the decision to spend the money by hiring the contractors yourself to repair or rebuild your home, subject to the limits set in the terms of the agreement by the insurer or private lender. If there is a mortgage on the property, the mortgagee’s approval will be required.

Also keep in mind that if you decide to make a cash settlement, your current home insurance policy will be reviewed and could be canceled as part of that final settlement. The settlement amount is the cost of reinstalling your home less any excess insurance you still owe.

The big difference between the two is this: in a replacement policy, the cost of a home’s replacement value is set by the construction industry; In a cash settlement policy, the home’s value is set by the housing market.

Insurance companies know from experience that many homeowners are naive or ignorant about the claims process and are willing to accept the first offer made to them. The homeowner is often led to believe that the necessary work can be done for less than the insurer offers. No wonder adjusters suggest that the owner do the work himself and pocket the difference. Remember that the only valid price in the repair and replacement insurance is the price for which the specialists who are going to carry out the work agree to work !!

Insurers often pay former quantity contractors / inspectors to provide estimates when it is so obvious that the contractors would never be able to do the work for the amounts stated. Its purpose is simply to provide the insurer with third party “credibility” by providing a number that the insurer / adjuster can use to negotiate with the owner. Therefore, it is critical that homeowners have written offers / quotes from respected contractors who Will be doing the work for those amounts. Do not accept quotes. They are simply “guesswork.” For example, paint is almost always included in insurance losses and most of the time adjusters use a flat rate per square meter. Consider the following scenario. A bird fell from its earthquake-damaged chimney and became covered in soot and covered several of its high-spec painted walls and ceilings with soot. The fitter then measures the room and calculates the square footage. He lets say $ 340.00 and tells you this is what the insurer will allow. But what it doesn’t tell you is that in your computation you have failed to compute a stack of other items. Painting rarely involves simply applying paint to the wall. What about the quality of the paint, the condition of the walls, the preparation for painting, the nooks and crannies, the removal of furniture, switches, light fixtures, bookshelves, doors, windows, trim, tapestries, removal / replacement of curtains and the list goes on? . Any of these items will seriously change the price of painting this room. If all of these items had been included in the quote as they should have been, then the sum would look significantly different from what the adjuster quotes. However, you, the landlord, will have to pay that last sum when you go to repair your home. None of these items can be determined over the phone or calculated using a specific quantity per square meter. They are also not allowed by the insurer’s “estimating software”.

To determine an actual price, the painter would have to come and inspect the work involved, determine what is required (to satisfy it), and then submit a detailed quote for you to accept. The same will be required for all other areas of the home that require work.

The calculation of the sum will depend on the insurance policy. For this reason legal advice is recommended. Most likely, the amount offered to you is just the insurer’s ‘estimate’ of what it will cost to repair or rebuild (if it is a total economic loss) your property. The ideal situation is to have your own appraisal, appraisal or independent appraisal of the property. The insurer does not have the exclusive right to inform you what you are entitled to. Insurers will try to use “fictitious” repairs to justify smaller payments. In fact, there are experts who would say that if there is structural damage never accept a cash offer. Neither you nor the insurer can be sure of all the necessary building damage and restoration. If your cash offer isn’t enough for a realistic repair or replacement, the difference is YOUR loss and the insurers’ profit and that’s not why you bought your policy.

If you are doing a cash settlement, you will encounter the following challenges:

Benefits of cash settlement:

• You will have complete management of your repair or reconstruction, which can speed up the process, but this will also mean that you will have to manage the project yourself, you will have to organize your own work insurance contract and you will run the risk of cost overruns as well as risks. technical and other types of the project. If the insurance company chooses the contractor, you have the insurance company to turn to if the contractor does not complete the work or does not provide quality work.
• You may find it easier to incorporate non-earthquake repairs or renovations.

Problems associated with cash settlement:

• You will have to manage the project yourself. You will have to organize your own employment insurance contract and bear the risk of cost overruns, as well as technical and other risks of the project. You may have to pay for professional project management;
• Your insurer may only be willing to pay you for “like-the-same” rather than “like-new” repairs or rebuilds, which will mean that you won’t be able to replace what you had at current money, as costs will have increased;
• If more earthquake damage is discovered during your repair, you will need to re-engage with your insurer; It is for this reason that homeowners should not sign complete and definitive agreements with their insurer;
• You will be liable for any shortfalls in the situation where your repair or rebuilding costs exceed your cash settlement due to increased demand and increased construction costs;
• If you decide not to repair or rebuild, your insurance coverage may be compromised and the future sale of the property may also be compromised;
• Do not assume that the amount provided by the insurer is adequate; for example, unidentified damages will not have been taken into account. In the case of replacement or total loss, a low valuation provided by an appraiser that may be withheld by the insurance company will not reflect the true value of the property. Also be aware of the overly optimistic estimates from builders and repair companies who have no real intention of doing the job themselves;
• In the Christchurch scenario, two of the biggest hidden risks in cash settlement are the liquidation of the building in relation to Christchurch City Hall flood levels and the lateral movement of the building in relation to legal limits. In order to determine both against the right of an insurance policy, a detailed survey evaluation is required to determine how much the building has settled in height and how much the building has moved in relation to the legal limits;
• Without knowing both, homeowners who have paid off cash find to their dismay that their home is now considered flood-prone and uninsurable, and in some cases, their home is also now over the legal limit and trespassing on neighbors. . property. No cash settlement amount for cosmetic (or even structural) repairs will provide the funds for the entire building to be raised in height and repositioned as required by legal law under a full replacement insurance policy;
• It is prudent for the owner to obtain independent evaluations from all the required experts before even contemplating a cash settlement. Unless, of course, the Insurer assumes the risk and the cash settlement is for a total reconstruction of the house to the rights of the policy. That would eliminate any transfer of risk to the owner.

It is important that you receive full reinstallation costs, so have quotes ready to show the costs involved.

Discuss your cash settlement with your mortgage lender and legal advisor. Check your policy carefully to make sure nothing has been lost: accommodation allowance, storage costs, stress benefits, death benefits, etc. One thing you can count on is that the insurer is unlikely to tell you what your full rights are if you don’t claim them.

I am often asked by my clients and students how I made a fortune in tax-defaulted real estate investments. The answer is obvious, having conducted more than 5,000 real estate transactions since 2002 and making money on virtually all of them.

But then I realize there is something else to bargaining. The proper mindset must also be present to consistently earn money and to build that fortune over time.

And this is when my students usually stare at me blankly. All many want to do is make a deal that gives them 20K or 10K or 50K and then use that money to buy the Doo-dads and toys they craved. While I have a lot of toys and doo-dass, this is not what I recommend any beginning investor to do.

Instead of taking the profits from your first deal and spending it on that new car, you should take that money and reinvest it in your business. By doing this, you effectively and massively SUPERCHARGE your pool of money to work and over time can seek more and more bigger and bigger deals and make more profit.

Did you know that $ 10,000 invested with a 30% return (something readily available in the world of tax-delinquent investing) in just 10 years leads to more than $ 137,000, whereas if you take only 20% of the profit each year, will it? Do you just end up with less than $ 2,600? That’s the power of compound interest. Use it and you will succeed, work against it and it WILL KILL you.

So if your goal is to buy that new car for $ 40,000, you shouldn’t use the first few profits right away to buy it, instead you should reinvest it in your business, continue to drive that old car you have until you’ve made enough money. that spending a little on that new car hardly hurts your wallet.

This is how the rich get rich and how they drive their cars. Most rich people don’t actually drive big cars, because they know what will affect their future earnings. Taking $ 50,000 out of your mutual fund today could translate into “lost earnings” of several million in the future.

Trademark oversight is important when it comes to protecting the value of a brand. It does not matter if you have protected a slogan, a brand, a color, the shape of a product or even a smell, we must check it and be attentive to the events that happen around us. All we can say is that trademark owners have a duty to monitor their brand year round and 24 hours a day so that they can protect their brand from any type of adverse event.

For companies, companies and businesses, the value of brands that are not controlled is always in jeopardy and can cause the total loss of all brand rights.

It doesn’t matter if you are a trademark monitoring service provider or a brand owner, there are three important duties we do when considering a trademark watch and these are as follows:

• Tracking unauthorized uses of a trademark
• Monitoring of the uses of similar marks that are confused
• Monitoring of Trademark Uses by Approved Trademark Licensees

So how should companies effectively track brands? Here are some steps:

Determine the territory: Trademark rights are territorial and are generally granted from one country to another, so the first step is to know the territory to conduct brand monitoring, that is, what territory you are going to monitor for a particular brand. This will depend on where your own rights now apply and what your expansion plans are. Trademarks and trade names that we federally register are effective nationwide, while unregistered common law rights are effective in the geographic area of ​​their origin. Trademark rights are also granted on a country-by-country basis, so rights in the United States have no effect outside the United States.

Develop a proactive system to learn about misuse: The second step in an overall trademark monitoring process will be to develop a proactive system for tracking misuse. Trademark issues are often easier to resolve the sooner they appear, so keeping a regular check on events is key to success in this area. Some of the important action plans that brand tracking service providers can take are:

• Searching the USPTO’s Online Database of Federal Trademark Applications and Registrations
• Search the web periodically for misuse
• Set up a Google alert for your trademark
• Follow up on customer complaints
• Get help from a professional brand tracking service provider
• Setting up various third-party online trademark theft reporting processes

Evaluate the substance: The third step in this process is to know the bottom of the misuse. Once we verify the misuse, we can proceed with the necessary steps to move forward. Is this the only step in which we get to know if the third party used goods and / or services like ours? Will the territory (geographic location) used be a problem and / or if the use has no legal concern because it is a legitimate use allowed?

Decide the actions: There are many actions that we generally take after substantiating misuse. For example, sending a cease-and-desist letter to the violator could be the first step in the event that one of the parties violates your right. If a federal application is pending, you can object to the application at the USPTO. For uses on the web, the domain name registrar may attempt to remove inappropriate or infringing content even if the owner or user refuses to do so. Misuse of a trademark on a domain name can often be resolved through simplified UDRP procedures.

Assert your rights:

This is the final and conclusive step in the general trademark monitoring process where the plaintiff files a lawsuit to enforce the rights.

Summarize: In summary, we can say that brand monitoring is a continuous and continuous process and companies must do it throughout the year to avoid misuse of their brand.

Communication is one of the most important aspects of a healthy relationship, however ‘Silent Treatment’ is something that people do without considering the destructive results.

Let’s examine what happens when one is ignored.

Everyone wants and needs to be recognized. Being treated quietly, facing your partner’s back, or being looked directly in the eyes, puts a knife in the deepest part of our soul, the part that needs to connect, the main reason to be in a relationship.

The greatest need of a human being is companionship. The feelings of rejection when faced with silence can create a deep sense of pain that we have to face or ignore. Either way, both people suffer in the short and long term.

Silent treatment is the intentional cause of pain to your partner at the deepest level. It’s just evil and a knife that cuts them both.

There are two emotional reactions we can have when faced with silence. The first is the obvious one, frustration, which can turn into anger. There is nothing more irritating than talking to someone who is ignoring or unresponsive, especially when they are looking directly at you.

Everybody knows it, and that’s what makes it even more infuriating. When one is angry and the other is silent, the anger grows because your pain is giving the silent one even more pleasure. It’s a snowball rolling into an avalanche.

The next stage can go in one of two directions. The explosion of this bomb provokes a rupture or a retaliation of silence. The latter is the most dangerous, because to do that, basically ignoring the silent treatment, requires a total shutdown of your emotions.

When you shut off all your feelings so you don’t feel the infuriating pain, those closed windows and doors in your heart may not reopen for your partner for a long time, if they ever do. Love dies for that person.

It is the only way to deal with the pain of frustration. If you observe yourself when you are subjected to silence, you can feel the pain in your head, in your brain, throughout your body, increasing the need to explode. Or you may feel totally numb.

It could come out in a violent way, making you want to hit something and, dangerously, hit your partner or child. But before you feel awful by that thought, which of course you should, you must bear in mind that a human being is part animal and that when emotions take over, all common sense and “humanity” can be overwhelmed.

Of course, if you are a decent person and feel the need to hit something, you would never hit another person, but that pain must be released or suffocated. Either way, a very bad result.

It is clear, the ‘silent treatment’ guarantees mutual annihilation, in this case, love and emotions are the victims.

Communication is the core of a healthy and loving relationship. Silence is the opposite pole and, as we all know, destruction is much quicker and easier than construction.

Don’t waste your life and your love, and all the time it takes to build love in a childish moment of deliberately excluding the person you love. That guarantees the end, if not today, definitely on time.

How to Quickly Build a Large Real Estate Portfolio Using Buy, Rehab, Rent, Refinance, and Repeat Strategies

In this article, you will gain a complete understanding of how you can quickly build a large real estate portfolio using the buy, rehab, rent, refinance, and repeat method. This strategy was started by Danill Kleyman of True Vision Analytics, who is one of the best, if not the best, real estate experts of all time that I have come across. I attended one of their online trainings and the above strategy just blew me away. .

Today, I am happy to share my own opinion and also hope that you can put this method into practice as soon as possible.

If you are in the following market category and have had problems:

• Property owner,

• Buying and selling,

• Buying and selling commercial properties

• Commercial building for refinancing or sale purposes.

• Change of house for profit

• Landlord or owner

• New construction

• Rehabbers

• And residential and commercial developments

Then this article will definitely benefit you more and you can come back and thank me later.

From what I noticed, the strategy works with the owners, that is, if you own the property. Then sell and buy more. Buying and selling commercial properties will also benefit if your overall goal is to grow your portfolio. The same goes for homeowners and homeowners who want to grow their real estate portfolio.

One great thing about this strategy is that it works in a flat market and it also works in a volatile market. The juice behind this is that you just use one fund and then recycle that fund over and over and over again until you hit the expected or projected portfolio limit or your goal. Now let’s see what the strategy really is and how to use it.

What is the buy, rehab, rent, refinance and repeat strategy?

The strategy according to Daniil is called BRRRR which means:

• To buy property that is the initial stage of every property owner of future real estate investors.
• Rehabilitation means rehabilitating the property to sell or rent it for profit.
• Rental. which means renting for capital investment benefits.
• Refinance. Which means recycling the financing used in the initial purchases to buy another property as a result of good returns.
• Repeat. This simply means repeating the process.

Benefits of the BRRRR strategy

• First, they are the most powerful money building strategies you will ever find in the real estate investment and construction industry.

• The strategy leverages the concept of “speed of money” to help you roll over the same deal for cash after deal.

• It allows you to quickly build your portfolio with private money or a limited amount of cash.

• It works in a market that is not appreciated

• The strategy allows you to build a portfolio with little or no money on your own, but with at least a 20% equity position against debt that will protect you in a bear market.

How does the BRRRR strategy work?

The first and most important rule here is to make sure you don’t get stuck on the first offer before moving on to the next one. Yes! I was confused myself at first when he explained to me in detail, my jaws dropped, figuratively.

Because these offers, when done correctly, are math intensive, and according to Daniil, the best way to keep your numbers from getting bogged down is to make sure your numbers are working before you buy the next offer.

In order not to waste time, let me explain how this strategy works.

Step 1: buy a property

This is the first and most important step of the strategy. This shows that you are ready to build your portfolio and that you are committed to making it work.

You can use several sources to obtain financing and this includes:

• Your own money if you have savings

• Private lender. Just make sure they refinance your rehab as well.

• Bank loan if you know how to prepare a convincing presentation.

• A line of credit from family members, friends, associates, private lenders, or even seller financing.

• For more information on how to find private money and how to structure private deals that will make lenders ask you to invest with you, watch this video.

Step 2: rehabilitation

Once you’ve secured financing and purchased your first home, you’ll need to rehab it. Always keep in mind to keep the property in tune with the market, as you will rent it out and don’t overdo it.

Aspire to further create the highest appreciation for property through larger rehab. To achieve this, you must do this:

• When you go to the reassessment, be sure to tell the bank that you just completed major renovations and improvements to the property.

• Improvements such as replaced broken furnace, electrical, HVAC, plumbing, etc. should be mentioned. These will help to quickly increase the appreciation of the property.

Make sure you do all your rehab work now so you don’t have any maintenance calls for the next 5 years.

Step 3: Rent the property

This step requires you to begin showing the property to prospective tenants before the renovation and upgrade is complete. You will proceed to step four faster if you already have a lease and a tenant to move in as soon as the renovation is complete.

Step 4: refinancing the property

This is a very important step to build your portfolio much faster. While the lease is in effect and the rehab is complete, head over to your local community bank to discuss refinancing. This is because local community banks are often required by regulation to make loans to local businesses. And they will lend to you based on the percentage of the property’s new market value, not based on its cost.

Step 5: repeat

In this final step, you are going to repeat the entire process with the net result from step 4. This means that you have paid off your short-term financing and now have a cash flow asset that generates money every month with no cash tied up on your own. . With positive cash flow and 20% equity on paper, your balance sheet is seen and you can take it to your local bank again for another loan.

Conclution

These five steps; buy, rehabilitate, rent, refinance and repeat are the steps that make up the BRRRR strategy that you can apply today to change. Here’s how you can quickly build a great real estate portfolio. Again, according to Daniil, there are a couple of crucial points to keep in mind to maximize this strategy.

These are;

• You can find these types of offers in almost any market.

• Investment Vs appraisal is what matters most.

• This strategy can work on a 50k, 100k, deal, or even 500k deal.

• Make sure to use short-term financing and a reliable refinance.

• You can also use private lenders to refinance, but make sure they have a steady flow of money or a steady job that provides income.

• Always make sure you can get a refinance before you buy the offer. To avoid getting stuck.

• Avoid buying in an area where you will have a hard time renting it out. Without a lease, you won’t be able to get refinancing from your local bank.

• The trade-off to keep in mind is avoiding overspending on renovations. As this could slow down the “speed of money”.

• Always read the fine print on the loan, get a lawyer review it just to make sure there is no sudden foreclosure clause buried inside it.

• Know your numbers first before you even enter a deal

Here’s how to quickly build a great real estate portfolio using buy, rehab, rent, refinance, and repeat strategy. The most important point again is to know your numbers before entering into any deal. And your ability to obtain short-term financing and financing to go. What is obtaining financing on the net profit of your first deal. You can use the free Rehab Valuator software to calculate and master your numbers in just a few minutes. Leave your comment or any questions below and I’ll get back to you right away.

Buying a home takes time, so it’s important to be prepared. Don’t worry, your lender and your agent will help you along the way.

If you finance a home, it can take 2 months or more. There are many stages or steps involved. Find a lender, then go shopping, make the offer, schedule inspections, get insurance, work with a title company, and the final step is closing the deal. If you are looking to buy a home in the next 6 months to a year and are going to be financing, the time to start preparing is now. Again, don’t worry that your lender and your agent will help you.

Find a lender

The first step in starting the home buying process is to contact a lender to determine how much money you will have to spend or how much you can afford. There is no point in buying a home if you can’t afford it. It would be unwise to look for homes over $ 300,000 if your lender only lends you $ 175,000. It would be very disappointing to find your dream home and then find out that you can’t get it. So start by figuring out what you can afford, and then you can go shopping for homes in that price range.

Not all lenders are the same. Find one that you find helpful and informative. Your lender must give you information about what you are eligible for, and if you are not eligible, they must be able to tell you what to do to be eligible.

If you need help finding a good lender, you can also ask your real estate agent if they have any preferred lenders that they can recommend.

How much down payment do you need?

Not all mortgages require a large amount of upfront money. Be sure to ask your lender about your options. If this is your first time to buy, be sure to let them know.

Some lenders offer special first-time homebuyer loans and some do not. The state of Florida offers many resources for down payment assistance. You will want to see what is available to you in your state.

If you are eligible for a VA loan, you will not need a down payment. That’s correct. No start-up money.

Poor credit score

You can qualify for a mortgage with a credit score as low as 580, so don’t let your credit score put you off. If your credit score is below the necessary criteria for the right mortgage for you, then your lender can sometimes look at the report and determine if there are things on the report that they may have removed to increase your score or give you advice on what to do. you can do to improve it. This can take time, so if you want to buy a home, you should give yourself time to follow these steps. It will take patience and perseverance, but a home is worth it.

Get a real estate agent

There are two types of real estate agents. TO listing agent– one that specializes in listing homes for sale and A buyers agent someone who helps buyers in the home buying process. It is important to note that both roster agents Y buying agents receive payment from the seller.

Your agent can or should be able to help you throughout the process. They can help you find a lender, buy the home, write and submit the contract purchase offer, schedule and provide you with the necessary information on what inspections are needed or you might want, working with the title company to obtain a free title, and no links, working with the lender so the lender has the information they need, etc. They do a lot of work for you and it is important that you be loyal to them. Work with an agent. Whenever you have a question, call your agent.

Choose an agent

A good agent will be willing to answer your questions and help you through the process when necessary. You should be able to reach them at any time. If your agent doesn’t answer your calls or emails consistently and doesn’t follow up in a reasonable amount of time (within an hour or two), you should probably choose another agent. Your agent should always be willing and able to help. If your agent doesn’t know the answer to your question, they should be able to find out for you or point you in the right direction.

Find a house

It is difficult for an agent to find what they are looking for if they do not know it. An agent can perform a search by price. They can also search by location. So if you are looking for a house in Sarasota that is less than 300,000, the agent can search and send you a list of houses that are less than 300,000. There are more details the agent may need to know. Is a garage important to you? How about a swimming pool? How about the school district? How many rooms do you need? Do you want a tub in the master bathroom or just a shower is fine? Anything that is important to you, you should tell them. It will make finding the right house in the right place much easier. I’ve had buyers spend weeks and months searching because they weren’t sure what they wanted and this kept changing. The location changed, the price changed, the size changed. Sometimes certain areas just don’t have much available at the price and size you need. Finding the right home can be easy and sometimes difficult depending on need and availability.

Are you afraid of home maintenance?

There are many old houses out there. If you like older homes, you may want to look for one that the seller has done some maintenance on over the years. Has the roof, air conditioning or heating system been updated, plumbing replaced, etc.? I have seen some recently renovated houses have big problems. Buying a home with a warranty is always a good option when buying an older home.

If you are afraid of having to do some maintenance or cannot find a house that you like, you can consider a new construction. Your agent can help with this too. They should have some local builders and know the lots that are available that can lead you to model homes. Some builders have pre-designed and priced floor plans so you can find a home in their price range. They may even have started the process of building a house so you don’t have to wait that long. Buying new means everything is under warranty.

As I usually say, the day to day becomes easier. Now we can buy what we want in the comfort of our home.

Gone are the days when the only options available were to buy on eBay, Amazon and a couple more, which meant having to trade with credit cards or with the use of PayPal and others, Nigerians had to wait for shipping or use the shipping from USA addresses and waiting so long for delivery, but anticipating all of that, now Nigerians can enjoy shopping online at cheap and affordable prices and can even pay cash on delivery, from stores with offices located here in Nigeria.

Let’s take a look at the top 10 Nigerian online stores list based on product availability, customer service, how much customers trust stores with customer satisfaction and product delivery in mind.

10. Hellofood.com.ng

Hello food lists clothes, computers, and a variety of foods. Their office is located in Lekki in Lagos and offers food delivery services from a wide chain of restaurants across the country that they partner with to make it work. Local dishes like Akpu, Fufu, Iyan are available and you can also get pizza, cakes and spaghetti. You can open a free account and pay cash on delivery.

9. Dealdey.com

Dealdey wholesale and offer cheap prices on products, they also offer services that you can always be satisfied with. His office is located in Ikoyi in Lagos. They sell clothes, shoes and appliances.

8. Gloo.ng

An online supermarket where you can buy food, books, office appliances, groceries and household appliances. The site offers free shipping on orders over 8,000 naira with cash on delivery and ATM or multiple debit cards.

7. Regalbuyer.com.ng

The real buyer is an online store where you can buy phones, electronics, and computers. Payment can be made by credit or debit card. Shipping is done through FEDEX and enjoy warranty and free shipping.

6. Kara.com.ng

Kara can be found at Ikeja in Lagos, they list items for sale like home appliances, mobile phones, power systems, and computers. Nationwide delivery is available and you can make payments with debit cards and others.

5. Kaymu.com.ng

Next is Kaymu, also located in Lekki in Lagos, here they list items for sale such as jewelry, vehicles, household appliances, computers, and mobile phones. The payment method on the site includes bank deposits, cash on delivery and online payment. A big advantage of kaymu is that there are several seller list items for sale.

4. Taafoo.com.ng

Tafoo offers you fashion items, cell phones, computers, and various gadgets. Their office is located in Oregun in Lagos and they deliver goods throughout the country. The site is protected by Comodo and Veriseal.

3. Mystore.com.ng

MyStore offers its customers secure online shopping. It provides a gift-sending and bulk-buying feature on its site where items such as mobile phones, fashion items, electronics, and household appliances are listed for sale. His office is located on the Idimu-Egbeda road in Lagos.

2. Konga.com

Competing at the top but second on the list is Konga, with its pickup locations in Surulere, Ikeja, and Victoria Island in Lagos. Konga sells computers and accessories, electronic gadgets, kitchen and home appliances, and books with 256-bit encryption security and their service is also available in Nigeria.

1. Jumia.com.ng

Jumia tops the list as they offer many products for sale. With a website that is easy to use, they offer Comodo security products, listing products such as cell phones, electronics, fashion items, wines, and computers. The head office is located in Lekki in Lagos Nigeria and the site platform is very effective where you can enjoy free delivery or token delivery depending.

Are you looking for an apartment in Louisville but have been repeatedly denied due to your credit or rental history? This is more common than you realize and many people are reporting such frustration, especially when it comes to locating an apartment in this city known for its warmth, hospitality, and world-class performing arts. The frustration is the result of a routine procedure by area apartments to perform credit and rental history checks on most applicants. If you have previous problems with your credit or have had a broken lease on your record, there is a high probability that you will be denied a decent apartment in Louisville. The key to overcoming this, therefore, lies in being able to successfully locate apartments that do not perform credit checks or are lenient on applicants who have previous problems.

Scrutiny by the city of Louisville has uncovered several places one should focus when trying to find apartments that can be rented to you regardless of your rental credit history. These include St Marys, Prpsect, Douglas Hills, St Dennis, Greenwood, Lyndon, Rolling Hills, Green Spring, Clarksville, Floyd Knobs, and Blackiston Mill. While this may not necessarily be an exhaustive list, it does, however, give you a bird’s eye view. of the localities to focus on when conducting your search.

One technique for locating these apartments within the city of Louisville is to use the services of an apartment locator in the area. They keep excellent records of all apartments in the area and may even be willing to share some tips on where second-chance apartments are located. This can save you a lot of time and money.

Others like to use the internet, which we highly recommend because it can also save you a lot of time. Using the network, you can survey the city digitally and you can also call apartment managers and speak to them on the phone before you go in. This gives you a rough idea of ​​what your chances are before you embark on making that trip to present your paperwork. The internet can also allow you to read current and former tenant reviews, where you can see the pros and cons of a particular apartment complex in Louisville before proceeding with the application process.

Finally, you can talk to friends and family and see if you can get a helpful reference. These can be very useful, especially when the person providing the reference still lives in the same apartment that you want to rent.

Many people are drawn to television images of people ripping materials out of a dilapidated house, restoring it, and selling it for a substantial profit. The benefit obtained from each change can be modest or substantial, or the investor could lose everything depending on the decisions made before or during the process.

My house move budget checklist

Before you go shopping for the perfect rehab property to remodel, you need to create a budget for the entire project, not just the purchase and rehab expenses.

The first item on your checklist has no direct monetary value and cannot be added to the expense column. However, it is an important “ingredient” for your budget: an excellent credit rating. Unless you are financing an investment entirely with cash or privately, an excellent credit score works in your favor with banks, especially when the loan is for a high-risk project like a currency exchange.

Now, let’s see the details of your budget:

• Post-Repair Value (ARV) – Determining the ARV of your potential investment is the starting point on which you can base your expected return on investment (ROI) when the home goes on the market. A trusted real estate agent can help you estimate the ARV of the property.

• Rehabilitation costs – These will vary widely depending on the amount of rehabilitation work that needs to be done. An estimate repair form can be helpful in keeping track of all necessary repairs.

• Financing / maintenance costs: these include not only the loan but also the costs of maintaining the house until it is sold:

o Financing loan (s)

o Property taxes

o Public services (gas, water, electricity)

o Property insurance

o HOA / Condo Fees

An important point to keep in mind here is that the longer the rehab work takes and / or the longer the post-rehab home stays on the market, the higher your maintenance costs and the lower your profits.

• Realtor Fees: You can sell your inverted home yourself (FSOB – For Sale by Owner), but if you are looking for the quickest turnaround on your investment – and earnings – relying on a good real estate agent is worth paying. commission (and actually helps you save money on your flip project in the long run).

• Forgotten Costs – These are additional home remodeling expenses that are often overlooked, including:

o Inspection fees

o Loan interest

o Contingencies

o Closing costs

The average budget for an experienced flipper was divided into these cost percentages:

• 53.25% = purchase price

• 20% = Labor

• 6.5% = Materials

• 8% = Transportation expenses, public services, commissions, etc.

• 12.25% = profit

Realistic budget = reduced risk

There is nothing that can completely eliminate the risks inherent in relocating, but creating a realistic budget is one of the key ways to mitigate some of that risk. Another way to “manage” some of the risks is to gain a thorough understanding of home remodeling before making your first investment. And one last way to manage risk is to follow the old adage and never invest more than you can afford to lose.

Best wishes for the success of your home!