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Art Commissions

2013.08.26 02:34 TheDylanJacobson Art Commissions

A subreddit for anyone seeking to have a commission made or those looking to sell their services. Tons of portfolios are advertised daily, along with many clients looking to hire services. Scroll down to find the flair filtering option. Please view our sidebar and familiarize yourself with our rules. Our subreddit wiki contains many helpful guides and our FAQ, linked below.

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2015.10.16 20:07 Kalashaska IMS Health

IMS Health was founded in 1954 by Bill Frohlich and David Dubow. In 2010, IMS Health was taken private by TPG Capital, CPP Investment Board and Leonard Green & Partners. The company went public on April 4th, 2014 and began trading on the NYSE under the symbol IMS. Ari Bousbib is IMS Health’s Chairman and CEO. Bousbib, formerly a longtime senior executive at United Technologies Corporation, joined the company in September 2010. IMS Health is headquartered in Danbury, Connecticut.

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2021.10.15 17:50 Vintage Digital Cameras

A place for sharing photos and gear from vintage digital cameras with a focus on those from the year 2010 and older.

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2024.05.19 13:07 owchyow CoinStats iOS "Total Portolio Widget" no longer working

I believe there may be an issue when selecting the “Total Portfolio” option when using the “Portfolio Widget” on iOS.
BACKGROUND
Phone Model Name: iPhone 15 Pro
iOs Version: 17.4.1
CoinStats App: 5.12.0 (903)
Multiple Portfolios/Wallets/Exchanges connected e.g. Ledger, Trezor, MetaMask, Binance etc. Note I have been using the CoinStats app for several years on a daily basis without any issues.
ISSUE
I have recently identified that the “Total Portfolio” option when using the Portfolio Widget is no longer reflecting the Top 4 holdings as reflected in the App.
To confirm, there is no issues within/using the CoinStats App, only the Widget. When “All Assets” is selected in the App, it correctly displays all holdings.
The Portfolio Widget/Total Portfolio option display 4 holdings, but not the “Top 4” as correctly displayed in the App. I cannot determine the basis on the 4 holdings displayed.
Eg. Correctly within the app, BTC, ETH, SOL, USDC will be the “Top 4” holdings however in the Portfolio Widget/Total Portfolio, it display AVAX, AR, ETHDYDX, DMT which I can confirm are held in different portfolios/wallets/exchanges (and not always the Top holding in that specific wallet).
Within the App I have tried changing the sort by QTY Total, Profit and Loss Options, Price but this not make any difference
Note if I select an individual Portfolio when using the Portfolio Widget (e.g. Ledger, MetaMask, Finance etc) it correctly shows reflect the top 4 holdings as per the App.
So to confirm, the issue relates to the Total Portfolio option when using the Portfolio Widget.
STEPS TAKEN TO RESOLVE ISSUE
I began with small steps and have finally reset everything from scratch. To confirm overall I have:

Deleted every Portfolio/Wallet/Exchange from App
Deleted CoinStats App
Restarted Phone
Reinstalled CoinStats App
Added Portfolio/Wallet Exchange

Issue above continues.
To narrow down the issue, I tried adding just 1 Portfolio being my Ledger Wallet via Ledger Live QR code.
I hold multiple BTC, ETH and various ALTS accounts which are correctly added to the App. However the issue persist in the Portfolio Widget/Total Portfolio option which again displays 4 holdings of the Ledger wallet but not the Top 4 as correctly displayed in the App.
Again I cannot determine the basis on the 4 coins displayed. Further to confuse matters, I have multiple BTC accounts which are correctly added to the App, however the Widget only displays 1 of the BTC accounts which is not the largest amount nor is it the one with the latest transaction. I do not understand why the Widget it is selecting the 1 BTC account.
Finally I tried adding 2 different BTC accounts held on Trezor wallet. When selecting the Portfolio Widget/Total Portfolio option, it display the balance of 1 of the accounts (not cumulative). However if I select Portfolio Widget/Trezor Wallet 1 (or 2), it shows the correct balance.
I cannot narrow down where the issue is coming from but I hope the above helps in solving the matter.
As mentioned I have used CoinStats app for several years on a daily basis and checking my portfolio balance is the key requirement which I can no longer do.

submitted by owchyow to CoinStats [link] [comments]

2024.05.19 12:33 Particular_Box4839 50%SPUS & 25%XSD & 25%FIW .. your thoughts?

I'm looking for a long term investment portfolio 20y+, what do you think of these selections?

submitted by Particular_Box4839 to ETFs [link] [comments]

2024.05.19 11:59 a_HerculePoirot_fan Malaysian illustrator Tuan Nini, based in Romania, shares her art journey

As an illustrator, Tuan Ninifarhana Tuan Kob (who prefers to go by Tuan Nini, or just Nini) believes that it’s her job to “fill in the blanks” and enrich the story that’s being told.
In Dear Brother, a middle-grade graphic novel written by New York Times bestselling author Alison McGhee and illustrated by Nini, she got the chance to do that and more, exercising her visual storytelling muscles.
Described as “Diary Of A Wimpy Kid gets a little sister twist”, Dear Brother tells a tale as old as time – the rivalry (and love) between a brother and sister – through letters shared between the two.
The graphic novel has been a hit since its publication in August 2023. It has been selected for the Gold Selection award by the Junior Library Guild in the United States and was featured in an exhibition of the best children’s books in 2022-2023 at the Society of Illustrators in New York.
“I would say that this was the first project I had of this scale – I enjoyed being able to weave a story within the story and reveal what was not necessarily told in the text through my illustrations,” says Nini, adding that there had also been instances when she suggested to include additional text to help readers better understand what was happening in the story.
"It’s quite rare for a book illustrator to be able to come in and suggest making some changes to the text, so I’m glad that the team I worked with was open to that,” she adds.
Nini, who was back in Malaysia recently for the Raya holidays, says that the book’s art director had reached out to her after viewing her Instagram and website, which features her professional portfolio of commercial illustrations and animations, as well as what she calls “journal comics”, which are illustrated snapshots of her personal life as a Malaysian living in Romania, from slice-of-life vignettes to her innermost thoughts and insecurities.
“When I asked the art director why she had reached out to me, she told me that they had been looking for an illustrator with strong visual storytelling skills and that my style – which I’d describe as ‘warm and cosy’ – was the right fit,” she shares.
Freedom to choose
Nini, 37, currently resides in Bucharest, Romania, where she has lived for the past 18 years since she moved there to pursue a fine arts degree at the Bucharest National University of Arts.
"People often ask me what informed my decision to study there, but honestly, nothing informed my decision – I was just a young and restless 19-year old,” says Nini, when she tells the story of how she ended up in Romania.
“I had a friend who was studying in Bucharest while living with his family, as one of his parents had been posted to the Malaysian embassy there.
“He told me there was a 200-year old arts school in the city and said I should come study there. I figured that it must be a good school to have existed this long, so why not, and off I went, with not much knowledge of Europe.”
Since graduating, Nini has worked as a freelance illustrator, where she revels in the freedom to pick and choose what she works on.
“I did work at an ad agency for a short time before I graduated, but it’s too short to count,” she waves off with a laugh.
“If you work for an agency, you often won’t get the chance to say yes or no to a project, so I do think it’s a privilege for me as a freelancer. Not that I’m saying one is better than the other, but it’s important to me to have that ability to choose my clients or projects. The downside to that, of course, is that sometimes I’m left wondering whether I’ll get any jobs in the next month,” she explains.
Despite the unpredictability of freelancing, Nini says she loves being able to explore doing different things. “I don’t like doing the same work over and over again, so being a freelancer allows me to try my hand at different kinds of projects.”
In a recent commissioned work, Nini was tasked with condensing an anthropological research paper about the New York City practice of giving tap water for free.
“I’m starting to see more projects where researchers try make their work more accessible to the public by communicating through visuals. I hope to get more impactful projects like this – it’s fulfilling work for me, because I like the challenge of taking an idea, a message and translating it into a visual form that is clear for readers,” she says.
From nasi lemak to ciorba
Born and raised in Subang Jaya, Selangor, Nini confesses that she had left Malaysia “as a rather sheltered child”.
“When I first arrived there, I had no idea what to expect. Western European countries tend to get more immigrants compared to Eastern European countries like Romania, so you might think there’s some resistance against foreigners, but most locals tend to be curious and interested in learning more about Malaysia when I tell them where I’m from,” shares Nini, the youngest of three siblings.
"Compared to Malaysians, Romanians tend to have their guard up a little when meeting new people, but once you get close to them, they can be very friendly!”
Learning Romanian has definitely helped Nini in adapting to living in a country and culture that’s vastly different from her own – especially when it comes to working with local clients or making new friends.
“Nowadays when I speak with locals, they’ll say that I speak Romanian quite well, and I’m glad I learned it. Romanians have this sense of humour that you miss out on if you don’t know the language.
“Luckily, Romanian is written as it’s pronounced, so it’s relatively easy to learn,” she says.
When it comes to food, Nini admits that nothing beats Malaysian food, but adds that Romanian dishes like ciorba – a sour soup consisting of a variety of vegetables and meat, such as chicken, beef or fish – aren’t too bad.
Learning to take up space
As an introvert, it’s not the easiest thing for Nini to put herself out there. So in 2021, she joined a workshop in Bucharest aimed at encouraging more women to pursue careers in illustration and animation.
The workshop was organised to help counter the gender imbalance in the animation industry after a study revealed that while the ratio of female and male students studying animation in university was balanced, it quickly changed after graduation, where 90% of those who went on to pursue a career were male.
“Taking part in the workshop changed my frame of mind from being aware of taking up space and thinking that I’m bothering people to owning my space and showing what I can do.
“It has taken me a while to put it into practice, but on this trip back to Malaysia, I was able to take the initiative to reach out to people and offer to talk about the comic and my working experience,” she shares.
And indeed, these past few weeks have been a flurry of activity – Nini has done sharing sessions with students at the Malaysian Institute of Art and The One Academy, as well as book signings at local bookstores and stationery shops such as Lit Books and CzipLee.
Besides sharing the more nitty-gritty, technical aspects of her work, Nini also imparts some advice to those who hope to build a career in illustration and animation – “Don’t be afraid to make mistakes.”
"Lecturers have told me that this generation of students seem to be more afraid of failure compared to their predecessors – they need confirmation from the lecturer that they are going in the right direction before they even pick up a pencil and draw a sketch.
“I wonder if this new reluctance to try things for themselves is a result of seeing process videos on social media where it’s just a smooth process from start to finish. But a big part of the process when generating ideas is testing them, and making ‘mistakes’ is a crucial part of developing one’s judgement and taste as an artist,” says Nini.
So rather than doubting your abilities, she encourages budding illustrators to simply “enjoy the process”.
“Art making isn’t sustainable if you only train yourself to enjoy the end result. At some point it will become unbearable and lead to burnout, because the time you spend on the process will always be much longer than the afterglow of the ‘success’. So make mistakes, enjoy the process and be sure to make some time for personal projects, too,” she concludes.

submitted by a_HerculePoirot_fan to malaysia [link] [comments]

2024.05.19 11:12 maxikaz19 How big is MEXC?

MEXC, short for MEXC Global, is a prominent cryptocurrency exchange platform that has gained significant traction in the digital asset trading space. Established in 2018, MEXC has rapidly expanded its user base and offerings, emerging as one of the leading exchanges in the industry.
One of the key aspects contributing to MEXC's prominence is its extensive range of supported cryptocurrencies. With a diverse portfolio of tokens and trading pairs, MEXC provides users with ample opportunities to engage in trading activities across various markets. From popular coins like Bitcoin and Ethereum to emerging altcoins, MEXC offers a comprehensive selection to cater to the diverse needs of traders.
Moreover, MEXC prioritizes security and reliability, implementing robust measures to safeguard user assets and ensure a seamless trading experience. By leveraging advanced security protocols and technologies, MEXC strives to maintain the integrity of its platform and protect users against potential threats.
In addition to its commitment to security, MEXC emphasizes user experience and innovation. The platform is continuously enhancing its features and functionalities to offer a user-friendly interface and intuitive trading tools. Whether users are beginners or experienced traders, MEXC aims to provide a streamlined and efficient trading environment.
Furthermore, MEXC distinguishes itself through its community-focused approach. The exchange actively engages with its user base through various channels, including social media platforms and community forums. By fostering a vibrant and supportive community, MEXC seeks to create a collaborative ecosystem where users can share knowledge, exchange ideas, and participate in the growth of the platform.
Overall, MEXC's significant presence in the cryptocurrency market underscores its stature as a prominent exchange platform. With its extensive asset offerings, robust security measures, user-friendly interface, and community engagement initiatives, MEXC continues to solidify its position as a leading player in the digital asset trading landscape.
J0IN THE BEST CRYPT0 EXCHANGE

submitted by maxikaz19 to cryptoQandA [link] [comments]

2024.05.19 10:24 AdIndependent2240 Asset Allocation v Security Selection

What do y'all think impacts overall portfolio returns the greater between Asset Allocation & Security Selection?
My inclination is towards Asset Allocation, is it correct?

submitted by AdIndependent2240 to CFA [link] [comments]

2024.05.19 05:28 LifeChampionship2250 Best way to invest in my situation

Long story short:
$50k in chequing account ..looking for best way to invest this
Current situation:
Rent: $1800 per month in GTA / $500 monthly expenses I give to my parents to support them in their retirement Salary: $80k per annum..comes to about $4250 after taxes monthly..wife gives me about $1100 per month as shared expenses.
Stocks: invested $3450 in wealthtrade simple in some shitty stocks and lost about $1300 as I was a naive and noob stock investor..then sold those stocks and currently holding steady and stable with $2150 value in stocks such as Microsoft, Google, TD, Rio Can real estate but not growing much here...looking for feedback if I should contribute about $300 or so from my pay cheque biweekly and buy some XEQT ETF stocks? Does that sound like a good idea? Any other recommendations for EFT I should buy to diversify my portfolio for growth or to
Also want to buy a condo/property in Barrie or surrounding area...wife is against mortgage idea but I am willing to buy on my own...Just wondering what is the best investment strategy long term. Would appreciate some help and feedback!

submitted by LifeChampionship2250 to PersonalFinanceCanada [link] [comments]

2024.05.19 05:12 SpecialAward Hybrid method for couples

My wife and I split our finances 50/50, we make about the same, so it's easier to track. We have a joint account for budgeted expenses, i.e. mortgage, groceries, daycare, utilities, dining out, etc. In addition, we have our own separate accounts where we get the other portion of our paychecks, and that in theory is "personal" money that we can spend however we want. Nonetheless, what gets measured gets managed, that's why we track our expenses in a separate spreadsheet.
However, we still have non-budgeted expenses that are shared, e.g. kids clothing, household goods, unexpected expenses, etc. So we filled out a custom made spreadsheet that I have perfected over the years, and even though it has a lot of macros and automation built in, it's still painful to import the transactions and label dozens of non-budgeted expenses.
Monarch claims to have couples function, but basically it just allows multiple log ins with no differentiation between users, it's equivalent of me given my wife my log in credentials. It would be awesome if each log in account could have their own private accounts and you could select which transactions to make visible to the other household member. I don't want to see 1000 Amazon transactions in my Monarch account and I don't want my wife to see my transactions either (believe, I'm not trying to conceal OF expenses :D). This feature would eliminate 100% the need of my spreadsheet and it's the only reason why I'm still shopping for other alternatives.
Is there a way to link private bank accounts such that your partner only can see transactions that you labeled as public? Anyone else in the same situation? If so, what do you do?

submitted by SpecialAward to MonarchMoney [link] [comments]

2024.05.19 04:43 Lumiaman88 Creating my own Pseudo-Passive index, capturing Alpha

Inspired by the Nifty Top 13 system, I went into deep research again this week, and formalized a strategy - making improvements to this. Underlying principle is that in a bull market what goes up keeps going up
So the concept is, select the Top 1/8th of the Market performers, and balance them twice a quarter (once at start and once at middle of quarter) based on Past 6 months performance.
1) For Conservative investors - have Nifty 50 as your base, and select Top 6-8 stocks by P6M performance. 2) For Moderate investors - select Nifty 200 as your base, and select Top 25 stocks by P6M performance. 3) For Higher Risk investors - select Nifty 500 as your base, and select Top 62 stocks by P6M performance. 4) For Super Adventurous investors - select NSE Top 1000 as your base, and select Top 125 stocks by P6M performance.
Your whole alpha is in the Top 1/8th stocks driving the market. Most of us would be best suited in Category 3 - Nifty 500 base (Top 62 Stocks). Moderate risk folks are best suited in Category 2 - Nifty 200 Base (Top 25 Stocks)
In the last week itself, the Category 3 portfolio went up by 9.4%. Just need a proper bear market testing of this now to scale up significantly

submitted by Lumiaman88 to IndianStreetBets [link] [comments]

2024.05.19 04:20 EmptyEar1111 Looking for advice on getting started / improving

Married couple, mid 30's. I make ~150k self-employed income. My wife is currently full time stay at home with our kids. The better part of the past 5 years our savings/investments have gone towards buying and renovating our current home. We're pretty settled in and my business has been improving so I really want to focus on getting back into investing and building our portfolio.
I haven't done any sort of self employed ira/401's etc. I have a sep ira from a old job but havnt touched it. Between saving for a home and being at a low tax bracket, anything we saved was just put into a post tax brokerage account.
Current financials:
Cash / Checking: $45,000 My Brokerage: $25,000 (vtsax) Sep IRA: $10,000 (vtsax) Wife Brokerage: $50,000 (ekbax - high fees but mostly all profit so we've been avoiding a taxable event)
Home Equity: ~$325k
Debt: Mortgage: $400k @ 3.25% Car Loan: $4800 @ 2.95%
Monthly Net after all personal & business expenses paid: ~$3750
I guess my main two questions would be:

Where should I be putting $X/mo? Split between brokerage and self-employeed accounts? Or primarily all self-employeed pre-tax accounts? We may consider investing in additional real estate in the future so I'm not sure if I want everything tied up in retirement accounts. For the time being my accountant says the tax savings are minimial so it really comes down to wether or not we plan on accessing the money in the near future.
Do we sell my wifes brokerage account and combine all of the funds in vanguard. Her current fund has a 1.1% expense ratio and we dont contribute anything towards it. It will have roughly $35k in capital gains when we sell tho. How will that effect our overall tax bracket for that year?

submitted by EmptyEar1111 to Bogleheads [link] [comments]

2024.05.19 03:32 Zealousideal-Hat119 New to Fire, 36 Year Old Looking for General Advice Amongst Firehose of Info on What to Do Next ~800k Saved.

Using a new/"anonymous" Reddit account since my main one is easily identifiable :).
36, married, 2 young kids (5 and 2 years old), live in a high cost of living area. I've lurked here for a bit but am new to fire. Have been pouring over the info in the sub's FAQ/"start here" page and other links with the limited free time I have, there's an overwhelming amount of information. I haven't really considered doing FIRE before, but 3 years ago I laid out a "10 year plan" to reach $1 million in investments and am very fortunate to be ahead of schedule (so far). I started out a bit behind in that I mostly spent my 20's paying off student debt (both my spouse and I did) and didn't really contribute much to savings/retirement. That changed once I hit 30 and got a higher paying job, started maxing my 401k contributions etc. Now that things are going well it seems like I could realistically work towards a path of retiring early.
Here's my info:
401k's (mine and my spouse's): $458,000
Financial Advisor controlled investment portfolio: $358,000
Personal Fidelity account (mostly for doing my own personal stuff, all in ETFs except for some stock an employer gave me). This money is earmarked for a house downpayment, the intent was to move out of our first home to a better school district once the 5 year old started 1st grade, but with the housing market the way it is that probably won't be happening soon, so I'll just continue to leave this money alone: $109,000
HSA (this year will be the first year I max out my contributions, I never used it much before being young and someone who never goes to the doctor, and didn't realize what a great tax/investment vehicle it is): $8000
Emergency Fund: $25,000 sitting in a HYSA
529/College Savings for 5 & 2 year old - I don't actively contribute to these, I deposited $30,000 into both when each kid was born, hoping that 18 years of growth at ~6% interest should hopefully pay for a large chunk of school (with our income and student loans covering the rest). I also don't count this money towards my personal $1 million goal/net worth since this money isn't earmarked for our us, but is instead for the kids.
Liabilities:
Mortgage: $272,000
Personal & Auto Loans: $22,500
The personal/auto loan could be paid off at most any time, but they have sub 3% interest rates on them so I just make minimum payments and invest my extra money instead. The mortgage is a sub 3% rate as well.
So adding up the 401k's, the investment portfolio, the HSA, and the Fidelity account (though I don't normally "count"this since the money is earmarked for a house) minus the liabilities makes a net worth of ~$630,500.
We were fortunate enough to purchase our first home prior to the the housing market going crazy during Covid. A quick look at Google/Redfin/Zillow and what the county has assessed my latest property tax rate at suggests the house adds another ~$450-480k to my net worth.
In addition to making the max contributions I can to the 401k and HSA, I also invest an additional ~$3k-$5k per month into the investment portfolio and ETFs in Fidelity.
I'm just looking for some general advice on what "next steps" you FIRE experts would take :) - is there a different/additional vehicle I should use for the $3k-$5k I am kicking into generic portfolios each month? Is there something more efficient I could be doing to maximize those slow and steady gains?
The amount of info out there is a little overwhelming - it is sort of like I am already almost accidentally doing FIRE (just from being fortunate and disciplined already), but there still seems to be some next steps / more things I could be taking advantage of to get there faster!

submitted by Zealousideal-Hat119 to Fire [link] [comments]

2024.05.19 03:28 Royal_Orange93 Frustrated - the home buying process is broken

Commiserating as I’m sure many do in this forum…. I’ve been trying to buy a property for 4 years with no luck.
2020/2021: Market is crazy and I spent about 8-9 months putting in countless offers on condos in my area while constantly being outbid or just not selected before finally going under contract in December 2020. Seller backed out when appraisal came back $10k below asking and I didn’t have extra cash to pay over the appraised price at the time. After the holidays, the seller ended up getting my phone number from the association (which is highly unethical) and contacted me directly to try to reinstate the deal. I guess he figured we’d have the same closing date as before which was important since he was trying to close on a different house. I entertained it for another couple of months while enduring threats from him about pulling out of the deal if I wasn’t able to expedite our closing (amongst other things). After finding out about a surprise probate situation on his condo, the seller ultimately lost the deal on the house he wanted to buy and wanted me to extend my closing for a few months while he started shopping for another house. The rate lock was getting to be incredibly expensive and I ultimately decided to cancel my contract with him.
After the condo fell through, I was just drained. Drained from showing after showing, offer after offer and not getting further along in my homeownership journey. So I took a break… an extended break until my life changed forever…
In April 2023 my dad began having health issues for the first time in his life. What began as blood clots ended up being Stage 4 cancer. We lost him just 4 weeks after diagnosis which was a huge shock and absolutely devastating to our family. My dad was always an incredible provider and wanted to make sure his family was taken care of in the event that something were to happen to him. I wouldn’t have been able to even consider buying in this market as I’ve unfortunately been priced out of the city I grew up in, but my dad made it possible once again. I also know homeownership was not just a dream for me, but HIS dream for me as well. He insisted that the market just HAS to get better because it’s unsustainable at this rate, yet every year we’d see housing prices rise and rise.
Fast forward to 2024: I’ve been trying to pick up the pieces of my life after losing my dad. I started the year with a surprise $300/month rent increase for the same condo I’ve been renting for 7+ years. So not only had I been priced out of homeownership but also of renting in my hometown. Even with the $300 increase, my rent is substantially lower than any other area around where I live so no option to move somewhere cheaper.
I began the home hunting process once again, knowing that I would soon have enough money for a substantial down payment to make my monthly mortgage payments affordable. After 40+ showings and a few failed offers, I finally went under contract for a beautiful townhome in a city that was a bit further south than where I wanted to be, but in a safe area which was enough for me to go for it. We did the inspection and discovered a few minor cosmetic issues, but some bigger issues with the roof. The sellers also installed solar panels on their 15 year old roof in 2021 and had a $36k loan that was to be assumed by the buyer. All things considered, I decided that this was not going to be a wise investment and we went back to the listing agent to try to negotiate on the price before moving forward with the appraisal. We would’ve still ended up over the asking price, but now the sellers and LA were acting like we were trying to lowball them despite all these newfound issues and the understanding that the appraisal would likely come back low as well. Ultimately after going back-and-forth for a couple days, the sellers decided that if we didn’t stick to the original price we offered ($22k over asking) they would no longer be selling their home and would just continue living there. Ok… no problem…
I continued my search and to my surprise quickly found another property that I absolutely love. More suitable area, lake view, and I was ready to submit my offer. The problem is, it’s listed about $40k-$50k over the comps in the area. My realtor spoke to the LA to gauge the situation and was told that the seller is set on this price regardless of the appraised value. I can even see that it was listed in 2022 for the same price and then unlisted after sitting for three months. It’s well within my budget, but I can’t justify paying that much over the appraised price. So no offer here either…
I don’t know if it’s just the area that I live in but I’ve seen so many properties in complete disrepair and awful condition that are listed significantly over what they should be. I understand that a house is worth whatever someone is willing to pay for it but it’s really disheartening to continue seeing these overblown prices at every turn. Even my first declined offer this year was a vacant townhome/condo that had been sitting on the market for over four months because the sellers were delusional about the price considering the condition the unit was in. With this last contract, it makes sense to me. The sellers probably realized that they were going to be paying a lot more to buy a property that wasn’t necessarily better than the one they were living in. If I had an amazing interest rate and very little left on my mortgage, I probably wouldn’t move either. I’m trying not to get discouraged but feel like it’s been a tough journey from the moment it began. Kudos to you if you stuck around to the end of my crazy ramblings. The search continues….

submitted by Royal_Orange93 to FirstTimeHomeBuyer [link] [comments]

2024.05.19 03:20 Peerism1 cvxportfolio: NEW Portfolio Selection and Optimisation - star count:823.0

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2024.05.19 03:20 Peerism1 Riskfolio-Lib: NEW Portfolio Selection and Optimisation - star count:2728.0

submitted by Peerism1 to algoprojects [link] [comments]

2024.05.19 00:44 softtechhubus Unlocking Passive Income Streams: Strategies for Financial Freedom

Unlocking Passive Income Streams: Strategies for Financial Freedom in 2024

https://preview.redd.it/lmko4rpsj91d1.jpg?width=1920&format=pjpg&auto=webp&s=5199074a017b6d10c63705a11e1c2f6f9be4a12d
In today's fast-paced world, where job security is no longer a certainty and traditional employment models are evolving, the quest for financial freedom has become more crucial than ever. One of the most effective ways to achieve this goal is by establishing multiple streams of passive income – sources of revenue that require minimal effort to maintain once set up. This article delves into various strategies for earning passive income online, providing actionable steps for each method.

Section 1: Understanding Passive Income

What is Passive Income?

Passive income refers to earnings generated from sources that do not require active involvement or labor once the initial effort has been put in. Unlike active income, which is earned through traditional employment or self-employment, passive income continues to flow in even when you're not actively working. This concept has gained immense popularity in recent years as more individuals seek ways to break free from the constraints of the 9-to-5 grind and achieve financial independence.

Benefits of Passive Income

The allure of passive income lies in its ability to provide a consistent revenue stream with minimal ongoing effort. Here are some of the key benefits of building passive income sources:

Financial Freedom: Passive income can supplement or even replace traditional employment income, allowing you to achieve financial independence and pursue your passions without worrying about money.
Diversification: By diversifying your income streams, you reduce your reliance on a single source of income, mitigating risks and providing a safety net in case one stream dries up.
Scalability: Many passive income strategies can be scaled up, allowing you to increase your earnings without proportionally increasing your workload.
Lifestyle Flexibility: With passive income, you can enjoy greater flexibility in your lifestyle, as you are not tied to a specific location or schedule.

Passive Income vs. Active Income

While both passive and active income contribute to your overall financial well-being, they differ in several ways:

Effort Required: Active income requires ongoing effort and labor, while passive income requires initial effort to set up but minimal ongoing work.
Time Commitment: Active income is directly tied to the time you invest in working, whereas passive income can generate revenue even when you're not actively working.
Scalability: Active income is limited by the number of hours you can work, while passive income can be scaled up more easily by leveraging systems and automation.
Risk Diversification: Passive income streams provide diversification, reducing the risk of relying solely on active income from a single source.

By combining active and passive income sources, you can create a well-rounded financial portfolio that provides stability, flexibility, and the potential for long-term wealth building.

Section 2: Popular Passive Income Strategies

There are numerous ways to generate passive income, ranging from traditional investment vehicles to modern online opportunities. Let's explore some of the most popular strategies:

Subsection 2.1: Real Estate Investments

Real estate has long been a favored passive income source for many investors. By owning rental properties, you can generate a steady stream of rental income with minimal effort once the property is acquired and tenants are in place.

Description

Real estate investments can take various forms, including:

Rental Properties: Purchasing residential or commercial properties and renting them out to tenants.
Real Estate Investment Trusts (REITs): Investing in companies that own and operate income-producing real estate.
Crowdfunding Real Estate Platforms: Pooling funds with other investors to purchase income-generating properties.

Steps to Get Started

Getting started with real estate investments involves the following steps:

Research and Analysis: Conduct thorough market research to identify profitable investment opportunities and evaluate potential risks.
Financing: Secure financing through traditional mortgages, private lenders, or alternative financing options.
Property Management: Hire a professional property management company or handle tenant screening, maintenance, and rent collection yourself.
Ongoing Monitoring: Regularly review your investment performance and adjust your strategy as needed.

While real estate investments can be lucrative, they also require significant upfront capital and carry inherent risks, such as vacancies, property maintenance, and market fluctuations.

Subsection 2.2: Stock Market Investments

Investing in the stock market is another popular way to generate passive income. By carefully selecting dividend-paying stocks or investing in index funds, you can earn regular income from your investments.

Description

Stock market investments for passive income can take the following forms:

Dividend Stocks: Owning shares in companies that distribute a portion of their profits to shareholders in the form of dividends.
Index Funds: Investing in low-cost, diversified funds that track the performance of a specific market index, such as the S&P 500.
Mutual Funds: Professionally managed investment funds that hold a diverse portfolio of stocks, bonds, and other securities.

Steps to Get Started

To start investing in the stock market for passive income, follow these steps:

Open a Brokerage Account: Choose a reputable online brokerage platform that suits your investment needs and budget.
Research and Select Investments: Conduct thorough research on potential investments, considering factors such as dividend yield, historical performance, and risk profile.
Develop an Investment Strategy: Determine your investment goals, risk tolerance, and time horizon, and create a diversified portfolio accordingly.
Regularly Monitor and Rebalance: Periodically review your investments and rebalance your portfolio as needed to maintain your desired asset allocation.

While stock market investments offer the potential for passive income and long-term growth, they also carry market risks, and returns are not guaranteed.

Subsection 2.3: Online Businesses

The rise of the internet has opened up a world of opportunities for generating passive income through online businesses. From e-commerce to affiliate marketing, these ventures can be lucrative and scalable once established.

Description

Popular online business models for passive income include:

E-commerce: Building and operating an online store that sells physical or digital products.
Dropshipping: A retail fulfillment model where products are shipped directly from the supplier to the customer, eliminating the need for inventory management.
Affiliate Marketing: Earning commissions by promoting other companies' products or services through your website, social media, or other online platforms.

Steps to Get Started

Starting an online business for passive income involves the following steps:

Choose a Business Model: Evaluate different online business models and select one that aligns with your interests, skills, and goals.
Conduct Market Research: Identify a profitable niche, analyze the competition, and assess the demand for your products or services.
Build an Online Presence: Create a professional website, set up e-commerce platforms, and establish a strong online brand.
Implement Marketing Strategies: Utilize effective marketing techniques, such as search engine optimization (SEO), social media marketing, and email marketing, to drive traffic and sales.
Automate Processes: Leverage tools and software to automate repetitive tasks, streamlining operations and freeing up time for scaling and growth.

While online businesses offer flexibility and scalability, they require upfront effort, consistent marketing, and adaptability to changing market trends and consumer preferences.

Section 3: Digital Products and Courses

In the digital age, creating and selling digital products and online courses have become lucrative passive income streams. By leveraging your expertise and knowledge, you can create valuable resources that generate ongoing revenue with minimal ongoing effort.

Subsection 3.1: Creating and Selling E-books

E-books have emerged as a popular and accessible way to share knowledge, expertise, or creative works while earning passive income. With the rise of self-publishing platforms and the growing popularity of e-readers, the e-book market has become a viable avenue for authors and subject matter experts.

Description

E-books can cover a wide range of topics, including:

Non-Fiction: Self-help, business, personal development, and educational content.
Fiction: Novels, short stories, and creative writing across various genres.
Reference Materials: Guides, manuals, and instructional resources.

Steps to Get Started

To start earning passive income through e-book sales, follow these steps:

Choose Your Topic: Identify a niche or subject area where you have expertise or a unique perspective to offer.
Write and Edit: Craft a high-quality e-book by writing compelling content, ensuring proper formatting, and editing for clarity and accuracy.
Design and Format: Create an attractive cover design and properly format your e-book for different platforms and devices.
Self-Publish: Upload your e-book to popular self-publishing platforms like Amazon Kindle Direct Publishing, Barnes & Noble Press, or Apple Books. These platforms handle the distribution and sale of your e-book.
Market and Promote: Implement effective marketing strategies, such as social media promotion, email marketing, and leveraging influencers or book bloggers to reach your target audience.

While e-book sales may start slow, with consistent effort and effective promotion, you can build a passive income stream that continues to generate revenue over time.

Subsection 3.2: Developing Online Courses

In today's knowledge-driven economy, sharing your expertise through online courses has become a lucrative passive income opportunity. With the rise of e-learning platforms and the increasing demand for remote education, creating and selling online courses can be a rewarding venture.

Description

Online courses can cover a wide range of topics, including:

Professional Skills: Business, marketing, programming, design, and other career-related subjects.
Personal Development: Health, fitness, productivity, and self-improvement topics.
Creative Pursuits: Photography, art, music, writing, and other creative disciplines.

Steps to Get Started

To develop and sell online courses as a passive income stream, follow these steps:

Identify Your Niche: Determine the subject area where you possess valuable knowledge or expertise that others are willing to pay for.
Plan and Structure Your Course: Outline the course content, breaking it down into modules or lessons, and determine the format (videos, text, assignments, etc.).
Create Course Materials: Develop high-quality course content, including video lectures, presentations, worksheets, and other supporting materials.
Choose a Platform: Select an online course platform like Udemy, Coursera, or Skillshare to host and sell your course.
Market and Promote: Utilize effective marketing strategies, such as social media promotion, email marketing, and leveraging influencers or industry experts to reach your target audience.

While creating an online course requires upfront effort, once it's launched, you can earn passive income as students enroll and purchase your course. Additionally, you can continually update and improve your course over time to maintain its relevance and value.

Section 4: Automated Systems for Passive Income

In the digital age, leveraging automated systems and software tools has become a powerful way to generate passive income. By harnessing the power of technology, you can streamline processes, automate tasks, and create income-generating systems that operate with minimal ongoing effort.

Subsection 4.1: Utilizing Software and Tools

There are various software and tools available that can automate income-generating tasks, freeing up your time and enabling you to earn passive income more efficiently.

Description

Some examples of automated systems and tools for passive income include:

Affiliate Marketing Platforms: Software that automates the process of promoting and tracking affiliate links, enabling you to earn commissions from product or service sales.
Email Autoresponders: Tools that allow you to create and send automated email sequences, nurturing leads and promoting offers without manual intervention.
Chatbots and Virtual Assistants: Conversational AI-powered systems that can handle customer inquiries, provide product recommendations, and even facilitate sales.
Content Syndication Tools: Platforms that automatically distribute your content across multiple channels, increasing reach and generating passive income through advertising or affiliate marketing.

Steps to Get Started

To leverage automated systems and tools for passive income, follow these steps:

Identify Suitable Tools: Research and evaluate various software and tools that align with your passive income goals and strategies.
Learn and Implement: Dedicate time to learning how to effectively use the chosen tools, following tutorials, guides, and best practices.
Integrate and Automate: Set up the tools and systems to automate specific tasks or processes, creating streamlined workflows for passive income generation.
Monitor and Optimize: Regularly monitor the performance of your automated systems, gathering data and insights to optimize and improve their effectiveness over time.

While automated systems and tools require an initial investment of time and resources to set up, they can significantly amplify your passive income potential by automating repetitive tasks and enabling your income streams to operate with minimal ongoing effort.

Section 5: Case Studies and Success Stories

To illustrate the potential of passive income strategies and inspire you on your journey, let's explore some real-life case studies and success stories:

Example 1: Real Estate Investor Achieves Financial Freedom

Sarah, a former corporate employee, had always dreamed of achieving financial freedom and escaping the 9-to-5 grind. After careful planning and research, she ventured into real estate investing by purchasing her first rental property. Over the years, Sarah reinvested her profits and expanded her portfolio, eventually owning multiple rental properties across different markets.
Today, Sarah earns a substantial passive income from her real estate investments, allowing her to quit her corporate job and pursue her passions. She spends her time traveling, volunteering, and enjoying her newfound freedom while her properties generate steady rental income.

Example 2: Online Entrepreneur Builds Multiple Income Streams

John, a tech-savvy entrepreneur, recognized the power of the internet and the potential for passive income. He started by creating and selling digital products, such as e-books and online courses, leveraging his expertise in web development and design.
As his digital product sales grew, John reinvested his profits into building an e-commerce store, dropshipping products in high demand. He also ventured into affiliate marketing, promoting products and services through his website and social media channels.
Today, John enjoys a lifestyle of financial freedom, earning passive income from his diverse online ventures. He can work from anywhere in the world, while his automated systems and established income streams continue to generate revenue.
These success stories demonstrate that with dedication, strategic planning, and a willingness to embrace new opportunities, it is possible to achieve financial freedom through passive income streams.

Conclusion

In the ever-changing landscape of the modern economy, diversifying your income sources and cultivating passive income streams has become increasingly crucial for achieving financial independence and freedom. From real estate investments and stock market opportunities to online businesses, digital products, and automated systems, the strategies outlined in this article provide a comprehensive guide to unlocking the potential of passive income.
It's important to remember that building sustainable passive income streams requires initial effort, dedication, and a willingness to continuously learn and adapt. However, by taking the first step and consistently implementing the strategies that align with your goals and resources, you can gradually build a reliable foundation for passive income generation.
Embrace the power of passive income, and embark on a journey towards financial freedom. The path may not be easy, but the rewards of achieving a lifestyle free from the constraints of traditional employment are well worth the effort.

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Brief Description

AMZ Automator eliminates the need for tech setup, manual work, or substantial investments. Its AI-powered system creates and uploads high-quality, ready-to-sell books to Amazon Kindle, enabling you to earn commissions with just a few clicks. The platform takes care of the entire process, from book creation to promotion and sales, allowing you to earn passive income while you sleep.

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Unlocking Passive Income Streams: Strategies for Financial Freedom in 2024
In today's fast-paced world, where job security is no longer a certainty and traditional employment models are evolving, the quest for financial freedom has become more crucial than ever. One of the most effective ways to achieve this goal is by establishing multiple streams of passive income – sources of revenue that require minimal effort to maintain once set up. This article delves into various strategies for earning passive income online, providing actionable steps for each method.

Section 1: Understanding Passive Income

What is Passive Income?

Benefits of Passive Income

The allure of passive income lies in its ability to provide a consistent revenue stream with minimal ongoing effort. Here are some of the key benefits of building passive income sources:

Financial Freedom: Passive income can supplement or even replace traditional employment income, allowing you to achieve financial independence and pursue your passions without worrying about money.
Diversification: By diversifying your income streams, you reduce your reliance on a single source of income, mitigating risks and providing a safety net in case one stream dries up.
Scalability: Many passive income strategies can be scaled up, allowing you to increase your earnings without proportionally increasing your workload.
Lifestyle Flexibility: With passive income, you can enjoy greater flexibility in your lifestyle, as you are not tied to a specific location or schedule.

Passive Income vs. Active Income

While both passive and active income contribute to your overall financial well-being, they differ in several ways:

Effort Required: Active income requires ongoing effort and labor, while passive income requires initial effort to set up but minimal ongoing work.
Time Commitment: Active income is directly tied to the time you invest in working, whereas passive income can generate revenue even when you're not actively working.
Scalability: Active income is limited by the number of hours you can work, while passive income can be scaled up more easily by leveraging systems and automation.
Risk Diversification: Passive income streams provide diversification, reducing the risk of relying solely on active income from a single source.

By combining active and passive income sources, you can create a well-rounded financial portfolio that provides stability, flexibility, and the potential for long-term wealth building.

Section 2: Popular Passive Income Strategies

There are numerous ways to generate passive income, ranging from traditional investment vehicles to modern online opportunities. Let's explore some of the most popular strategies:

Subsection 2.1: Real Estate Investments

Description

Real estate investments can take various forms, including:

Rental Properties: Purchasing residential or commercial properties and renting them out to tenants.
Real Estate Investment Trusts (REITs): Investing in companies that own and operate income-producing real estate.
Crowdfunding Real Estate Platforms: Pooling funds with other investors to purchase income-generating properties.

Steps to Get Started

Getting started with real estate investments involves the following steps:

Research and Analysis: Conduct thorough market research to identify profitable investment opportunities and evaluate potential risks.
Financing: Secure financing through traditional mortgages, private lenders, or alternative financing options.
Property Management: Hire a professional property management company or handle tenant screening, maintenance, and rent collection yourself.
Ongoing Monitoring: Regularly review your investment performance and adjust your strategy as needed.

While real estate investments can be lucrative, they also require significant upfront capital and carry inherent risks, such as vacancies, property maintenance, and market fluctuations.

Subsection 2.2: Stock Market Investments

Description

Stock market investments for passive income can take the following forms:

Dividend Stocks: Owning shares in companies that distribute a portion of their profits to shareholders in the form of dividends.
Index Funds: Investing in low-cost, diversified funds that track the performance of a specific market index, such as the S&P 500.
Mutual Funds: Professionally managed investment funds that hold a diverse portfolio of stocks, bonds, and other securities.

Steps to Get Started

To start investing in the stock market for passive income, follow these steps:

Open a Brokerage Account: Choose a reputable online brokerage platform that suits your investment needs and budget.
Research and Select Investments: Conduct thorough research on potential investments, considering factors such as dividend yield, historical performance, and risk profile.
Develop an Investment Strategy: Determine your investment goals, risk tolerance, and time horizon, and create a diversified portfolio accordingly.
Regularly Monitor and Rebalance: Periodically review your investments and rebalance your portfolio as needed to maintain your desired asset allocation.

While stock market investments offer the potential for passive income and long-term growth, they also carry market risks, and returns are not guaranteed.

Subsection 2.3: Online Businesses

Description

Popular online business models for passive income include:

E-commerce: Building and operating an online store that sells physical or digital products.
Dropshipping: A retail fulfillment model where products are shipped directly from the supplier to the customer, eliminating the need for inventory management.
Affiliate Marketing: Earning commissions by promoting other companies' products or services through your website, social media, or other online platforms.

Steps to Get Started

Starting an online business for passive income involves the following steps:

Choose a Business Model: Evaluate different online business models and select one that aligns with your interests, skills, and goals.
Conduct Market Research: Identify a profitable niche, analyze the competition, and assess the demand for your products or services.
Build an Online Presence: Create a professional website, set up e-commerce platforms, and establish a strong online brand.
Implement Marketing Strategies: Utilize effective marketing techniques, such as search engine optimization (SEO), social media marketing, and email marketing, to drive traffic and sales.
Automate Processes: Leverage tools and software to automate repetitive tasks, streamlining operations and freeing up time for scaling and growth.

While online businesses offer flexibility and scalability, they require upfront effort, consistent marketing, and adaptability to changing market trends and consumer preferences.

Section 3: Digital Products and Courses

Subsection 3.1: Creating and Selling E-books

Description

E-books can cover a wide range of topics, including:

Non-Fiction: Self-help, business, personal development, and educational content.
Fiction: Novels, short stories, and creative writing across various genres.
Reference Materials: Guides, manuals, and instructional resources.

Steps to Get Started

To start earning passive income through e-book sales, follow these steps:

Choose Your Topic: Identify a niche or subject area where you have expertise or a unique perspective to offer.
Write and Edit: Craft a high-quality e-book by writing compelling content, ensuring proper formatting, and editing for clarity and accuracy.
Design and Format: Create an attractive cover design and properly format your e-book for different platforms and devices.
Self-Publish: Upload your e-book to popular self-publishing platforms like Amazon Kindle Direct Publishing, Barnes & Noble Press, or Apple Books. These platforms handle the distribution and sale of your e-book.
Market and Promote: Implement effective marketing strategies, such as social media promotion, email marketing, and leveraging influencers or book bloggers to reach your target audience.

While e-book sales may start slow, with consistent effort and effective promotion, you can build a passive income stream that continues to generate revenue over time.

Subsection 3.2: Developing Online Courses

Description

Online courses can cover a wide range of topics, including:

Professional Skills: Business, marketing, programming, design, and other career-related subjects.
Personal Development: Health, fitness, productivity, and self-improvement topics.
Creative Pursuits: Photography, art, music, writing, and other creative disciplines.

Steps to Get Started

To develop and sell online courses as a passive income stream, follow these steps:

Identify Your Niche: Determine the subject area where you possess valuable knowledge or expertise that others are willing to pay for.
Plan and Structure Your Course: Outline the course content, breaking it down into modules or lessons, and determine the format (videos, text, assignments, etc.).
Create Course Materials: Develop high-quality course content, including video lectures, presentations, worksheets, and other supporting materials.
Choose a Platform: Select an online course platform like Udemy, Coursera, or Skillshare to host and sell your course.
Market and Promote: Utilize effective marketing strategies, such as social media promotion, email marketing, and leveraging influencers or industry experts to reach your target audience.

Section 4: Automated Systems for Passive Income

Subsection 4.1: Utilizing Software and Tools

There are various software and tools available that can automate income-generating tasks, freeing up your time and enabling you to earn passive income more efficiently.

Description

Some examples of automated systems and tools for passive income include:

Affiliate Marketing Platforms: Software that automates the process of promoting and tracking affiliate links, enabling you to earn commissions from product or service sales.
Email Autoresponders: Tools that allow you to create and send automated email sequences, nurturing leads and promoting offers without manual intervention.
Chatbots and Virtual Assistants: Conversational AI-powered systems that can handle customer inquiries, provide product recommendations, and even facilitate sales.
Content Syndication Tools: Platforms that automatically distribute your content across multiple channels, increasing reach and generating passive income through advertising or affiliate marketing.

Steps to Get Started

To leverage automated systems and tools for passive income, follow these steps:

Identify Suitable Tools: Research and evaluate various software and tools that align with your passive income goals and strategies.
Learn and Implement: Dedicate time to learning how to effectively use the chosen tools, following tutorials, guides, and best practices.
Integrate and Automate: Set up the tools and systems to automate specific tasks or processes, creating streamlined workflows for passive income generation.
Monitor and Optimize: Regularly monitor the performance of your automated systems, gathering data and insights to optimize and improve their effectiveness over time.

Section 5: Case Studies and Success Stories

To illustrate the potential of passive income strategies and inspire you on your journey, let's explore some real-life case studies and success stories:

Example 1: Real Estate Investor Achieves Financial Freedom

Example 2: Online Entrepreneur Builds Multiple Income Streams

Conclusion

Recommendation

Lead-in

If you're looking for a streamlined and proven way to earn passive income, consider automated systems that leverage the power of technology and artificial intelligence.

Product Recommendation: AMZ Automator

Brief Description

Benefits

No tech setup required
No upfront cost or hidden fees
Instant payments and commissions
Completely automated system
Proven results and success stories

Call to Action

Take the first step towards financial freedom and unlock the power of passive income with AMZ Automator. Click here to learn more and start earning passive income today:

submitted by softtechhubus to u/softtechhubus [link] [comments]

2024.05.19 00:11 Physical-Assistance [Chicago]Choosing a real estate agent to sell a condominium

Hi
I am starting to sell a condo in west loop (City/downtown) in June or July, the area is growing and people are buying somewhat in the area. I'm down to three agents after discussing with them and would like to hear what others think. All three are agents my colleagues have used to sell/buy and referred me. I plan to be out of the condoby early June and leave my furniture for showings/photos
Agent One

Comes from a large company (compass/@properties/remax)
15 year experience, 30 sales last 12 months. 500 total.
He has sold in the area but the area of expertise is north west in Bucktown.
He went through the process with me, seemed canned of here is what you should do to get prepared and so forth
He indicated that he would do two open houses and that the place would never be shown unless he or someone on his team was available to show the place.
He wanted 5% fees (assuming buyer agent) and 3% if unrepresented agent.
He said no cancellation fees.

Agent Two

Comes from a small-medium company
9 years experience, 4 sales last 12 months. 70 total.
Originally said he was not available for June timeframe (I indicated early June initially), but offered to have a conversation to give me advice/gotchas as a interviewed a real estate agents. When I told him on the phone July would be more likely, he said to reach out if I hadn't selected an agent by memorial weekend and he'd likely be able to represent me by then.
He seems to be more of a renting real estate agent and mentioned his current load was ~15 rentals he was closing and 2 properties he was closing. This is validated by zillow data. He said the paperwork is a bit more for closing but more or less the same process in his eyes (showings, photos, paperwork/negotiations).
He works across the city, and his knowledge is not in depth as Agent 3 of West Loop. His pricing is comparing another unit in my building with similar specs and I think it seems a little high for market by like 5% (20k). He mentioned that we should pick numbers in 50k bucket ranges.
He was very up front on what I should expect fee wise from other agents and how that process worked. Mentioned that photography should cost $150, floor plans $100, and that I should ask for marketing, office and listing fees.
He even said legislation has passed in Illinois that changed the fee process and no longer required sellers to give buyer agents a percentage, which he said was usually 2.5% seller and buyer agent. He told me I should consider negotiating and putting a lower buyer percentage like 1.75% after said legislation.
He gave advice that a prospective buyer should aim for 10% down for those getting a mortgage at a minimum and that less than that the lender could do more due diligence into condo association health. (I mentioned high HOA fees and tuckpointing happening on the facade of the building)
After he realized I said July that as a courtesy to my colleague referral (he indicated he doesn't market and only handles traffic through referrals), he'd offer me 2% buyer rate and no marketing/office/photography/floor plan fees (that would be part of his rate). Suggested a 1.75% rate for seller if I were to go with him.
His process would leave a lockbox and key and would not be there at every showing. He said open houses in general were not as useful nowadays and is used more to drum up business for agents and other unrepresented buyers.
Provided a netsheet of what I would expect financially.
Provided references of folks I can use to do repairs/clean/paint.

Agent Three

Comes from a large company (compass/@properties/remax)
10 years experience, 14 sales last 12 month. 200 total.
He has experience in West Loop and it is a focus area.
Gave a different pricing strategy to pick 25k buckets, and go slightly lower than expected value to drive traffic and have multiple offers to negotiate
Marketing would be via open house and major real estate websites
He has colleagues that would cover if he couldn't be there to show the unit. He'd want someone there from the agency, but indicated he would be working to make sure he could be there.
Said the fee would be 5%, 2.5 to buyer and seller. Did not feel it was right to lower the fee for seller though said it was negotiable.

TLDR: I'm leaning towards Agent Two or Three. Two is because he was upfront about the numbers/fees and process of what to expect with other agents, and the fee would be 3.75% vs 5% which is like $10,000 more in my pocket. Agent Three since he is more familiar with the area and had a better pricing initial pricing strategy.

submitted by Physical-Assistance to RealEstate [link] [comments]

2024.05.18 23:31 Tesa_Tesanovic1988 Venture Capital and Innovation Strategies

Innovation is the lifeblood of business growth and development. Without it, your organization will fall behind its competition and eventually die out. However, innovation is expensive, and many small and medium-sized organizations can’t afford to innovate unless they get financial help from external sources.

Investments in bio-engineering can be risky, as many startups and early-stage companies may face regulatory hurdles, intellectual property challenges, or other barriers to success. However, for investors with a long-term outlook and a strong appetite for innovation, bio-engineering can offer significant opportunities for growth and returns.
Venture capital is one of the most common sources of financing for organizations that want to invest in innovation. Venture capital is a type of dedicated financial help that funds businesses to make a capital gain until publicizing them or even selling them outright. A distinguishing feature of venture capital involves screening, monitoring, and advising on a portfolio of its businesses. These non-financial services enable venture capitalists to choose businesses with high growth potential and make them succeed. The three distinctive features discussed before add to the venture capital’s edge over other types of financing that are not as dedicated (Sorensen, 2007).
Venture capitalists normally select companies that they can exit fast enough. This means that they select innovative organizations whose ROI is expectedly high. Therefore, such organizations are those that use knowledge to generate innovative capabilities to create profit in the short term.
Innovation is a process of continuous improvement and growth. It leads to the creation of new value or business ideas, which in turn contributes to the growth of any organization. The ability to innovate helps in increasing the revenue and profit margins of an organization by making it competitive in its industry.
Venture capitalists are interested in investing in innovative startups because they believe this will help them achieve their financial goals faster compared to the companies that do not invest in innovation. Venture capitalists want their investment to grow fast so they can exit quickly after making their money back at a higher rate than what they invested initially into it.
In the age of the knowledge economy, innovation is a main source of competitiveness (Daghfous, 2004). Based on what is known as the knowledge-based vision, the performance of the organization lies in its capacity to create, blend, recombine, and make use of knowledge (Grant, 1996). Therefore unstated, knowledge is indispensable to the capacity of an organization to innovate and favorably compete with others, causing it to be a strategic resource (Ibarra-Cisneros et al., 2021). The knowledge inside a firm is normally formed internally or by the outward acquisition of information and know-how. Accordingly, the knowledge absorptive capacity (AC) of a firm is vital for the creation of value inside a firm (Xie et al., 2018).
According to Davenport and Prusak (1998), knowledge cannot be completely dispersed without the backing of absorptive capacity. At the same time, the transfer of knowledge within a firm will come up as a main hindrance without the backing of absorptive capacity, inserting value on the significance of absorptive capacity within firms (Wuryaningrat, 2013).
Absorptive capacity has been described as the capacity of an organization to acknowledge the value of fresh outward information, integrate it, and implement it for business goals. Besides, it has become amongst the most dominant research scopes in business management. Huang et al. (2015) also note that absorptive capacity refers to a group of organizational practices that need to recognize and use knowledge, stressing the significance of absorptive capacity in the process of managing knowledge.
Most studies back the idea of absorptive capacity directly or indirectly prompting innovation and organizational financial outcomes (Tseng et al., 2011). The procedures of absorption of outward knowledge have grown into key aspects for innovation in organizations, making them to better adjust to transformations within the competitive atmosphere. Because of this, there are still many opportunities for research within the scopes of relational learning, absorptive capacity, as well as the attainment of a competitive edge (Tseng et al., 2011).
According to Xie et al. (2018), two vital gaps restrict deep hypothetical and empirical progresses in the management of absorptive capacity. Foremost, some programs of research have considered diverse proportions of absorptive capacity, while this dimensional separation of the construct and its function is not clear, conceptually and practically. Nonetheless, some studies have concentrated on the relationship between the diverse measures of absorptive capability and the innovation performance of a firm (Yaseen, 2020). Absorptive capacity is a tacit and intricate concept, making it challenging to measure. Learning the connection between venture financing and absorptive capacity can hence enhance our comprehension concerning how the source of financing impacts the innovation tactic of entrepreneurial organizations.

Absorptive Capacity and Innovation

Companies are working within a very competitive setting and need great measures of knowledge, which has turned into one of their most vital resources (Lian and Wu, 2010). To compete favorably, organizations cannot depend only on their external knowledge web but must progress their absorptive capacities to dynamically source new knowledge (Sancho-Zamora et al., 2021). This imposes methods that enable learning, allowing them to disperse and use the knowledge that will offer them fresh organizational innovations. Furthermore, the merging of this acquired knowledge is decided by an organization’s absorptive capacity. Hence, firms are required to possess and create, internal absorptive capacity to enhance innovation performance. This is vital since this form of capacity can impact the efficiency of innovation actions.
The first parties to describe absorptive capacity as the ability of an organization to assess fresh knowledge from outside, integrate it, and use it for commercial reasons were Cohen and Levingthal in 1990 (Wuryaningrat, 2013). A firm can obtain and efficiently utilize external and internal knowledge that will impact its innovation. This style looks at absorptive capacity as an outcome of not just research and development activities but similarly the variety or depth of the knowledge base of an organization, its former learning encounter, a mutual language, the presence of cross-functional points, and the mental frameworks, as well as problem-solving capability of the members in an organization (Camison and Fores, 2010). In this manner, absorptive capacity is vital for organizations to utilize outward knowledge and hence trigger inner innovation (Dutse, 2013).
Knowledge has become the most vital resource for organizations; outward knowledge concerning markets and technologies is thought to be key for generating inner knowledge in research and development units. Using absorptive capacity, organizations can change outward knowledge into innovative capabilities. Originally, absorptive capacity begins with gaining knowledge from the environment and it culminates by getting the best out of it (Saebi and Foss, 2015). This dynamic ability enables organizations to be in a better place to grow any form of innovation. Organizational learning theory recommends that an organization’s innovation actions are an outcome of its knowledge base.
Earlier research discovered that organizations having a greater absorptive capacity were more predisposed to undertake product, process, organizational, or even marketing innovations. In the same way, Calero-Medina and Noyons (2008) mapped programs of research connected to absorptive capacity and its connection to diverse domains, identifying substantial relations between absorptive capacity and innovation within the organization.
More current work, like the one by Chen and Chang (2012) discovered that the more the level of absorptive capacity of the organization, the more the level of innovativeness within the organization. They also discovered within their systematized literature review that most prevailing research concerning innovation literature accentuates the capacity to use outward knowledge. Moreover, this relation with fresh external knowledge enhances the absorptive capacity.
According to a research program undertaken by Liao et al (2007), empirical proof was given that innovation stems from the necessity for sharing knowledge, instigated by its absorptive capacity. When absorptive capacity progresses, it becomes very simple for anyone to form a noteworthy innovation grounded on acquired knowledge. Indarti (2010) similarly notes that absorptive capacity can be observed as a procedure by which a certain entity establishes innovative business goals (Wuryaningrat, 2013).
Notwithstanding the proof connecting absorptive capacity to innovation, this notion has developed in due course. The most comprehensive reconceptualization was suggested by Indarti (2010). They connected the idea to a set of company-wide routines and strategic procedures by which organizations acquire, change, and utilize knowledge to establish an active organizational capacity.

Dimensions of Innovation Capacity

Innovation is a vital element of the research enterprise, is very developed, and exists in all business procedures (Alshanty and Emeagwali, 2019). Nonetheless, the function of innovations, a main driver concerning a venture’s performance, has transformed in the latest years because of globalization and improved foreign competition (Pustorvrh et al., 2017). As a result, we comprehend innovation as the capacity of a firm to use knowledge and create novel products, services, and processes. Nonetheless, innovation typically encompasses some level of risk, which explains why outcomes are not always satisfying.
Various studies have demonstrated that innovativeness allows organizations to attain results, for instance, enhancement of the organization’s performance; growing exports; making a competitive edge; and or adding to the growth of the business. Generally, innovation assists organizations to react to competitive difficulties in globalized settings.
Innovativeness is an intricate capacity through which fresh knowledge and ideas are constantly used to attain excellent business performance using the integration of new offertories, product innovation, and the development of new processes for creating and distributing those novel offerings, and process innovation. These improve or sustain their efficiency and competitiveness. Process innovation concentrates on enhancing the efficiency and inner operations of an organization’s procedures to produce, bring together, or deliver the product. In this manner, another process can lessen the expenses or bring about extra production ability for an organization. Product innovation, conversely, is where an organization can present improved, distinguished, or even new products to the market to satisfy the needs of the consumers. Product innovation concentrates on the market and depends on robust abilities like quality, efficiency, speed, and flexibility, whereas process innovation has its place within the space of technical innovation. Both forms of innovation are closely connected and make up intricate procedures that normally encompass all functional sections of the organization.

References

Alshanty, A. M., and Emeagwali, O. L. (2019). Market-sensing capability, knowledge creation and innovation: the moderating role of entrepreneurial-orientation. J. Innov. Knowl. 4, 171–178. doi: 10.1016/j.jik.2019.02.002
Calero-Medina, C., and Noyons, E. C. (2008). Combining mapping and citation network analysis for a better understanding of the scientific development: the case of the absorptive capacity field. J. Informetr. 2, 272–279. doi: 10.1016/j.joi.2008.09.005
Camisón, C., and Forés, B. (2010). Knowledge absorptive capacity: new insights for its conceptualization and measurement. J. Bus. Res. 63, 707–715. doi: 10.1016/j.jbusres.2009.04.022
Chen, S. T., and Chang, B. G. (2012). The effects of absorptive capacity and decision speed on organizational innovation: a study of organizational structure as an antecedent variable. Contemp. Manag. Res. 8:7996. doi: 10.7903/cmr.7996
Daghfous, A. (2004). Absorptive capacity and the implementation of knowledge-intensive best practices. S.A.M. Adv. Manag. J. 69, 21–27.
Davenport, T. H., and Prusak, L. (1998). Working Knowledge: How Organizations Manage What They Know. Boston, MA: Harvard Business School Press.
Dutse, A. Y. (2013). Linking absorptive capacity with innovative capabilities: a survey of manufacturing firms in Nigeria. Int. J. Technol. Manag. 12, 167–183. doi: 10.1386/tmsd.12.2.167_1
Grant, R. M. (1996). Toward a knowledge based theory of frim. Strategic Management Journal, 17, 109–122. https://doi.org/10.2307/2486994
Huang, K. F., Lin, K. H., Wu, L. Y., and Yu, P. H. (2015). Absorptive capacity and autonomous R&D climate roles in firm innovation. J. Bus. Res. 68, 87–94. doi: 10.1016/j.jbusres.2014.05.002
Ibarra-Cisneros, M., Demuner-Flores, M. R., and Hernández-Perlines, F. (2021). Strategic orientations, firm performance, and the moderating effect of absorptive capacity. J. Strateg. Manag. doi: 10.1108/JSMA-05-2020-0121, [Epub ahead of print].
Indarti, N. (2010). The Effect of Knowledge Stickiness and Interaction on Absorptive Capacity. Groningen, The Netherlands: University of Groningen.
Liao, S. H., and Wu, C. C. (2010). System perspective of knowledge management, organizational learning, and organizational innovation. Expert Syst. Appl. 37, 1096–1103. doi: 10.1016/j.eswa.2009.06.109
Pustovrh, A., Jaklič, M., Martin, S. A., and Rašković, M. (2017). Antecedents and determinants of high-tech SMEs’ commercialisation enablers: opening the black box of open innovation practices. Econ. Res. 30, 1033–1056. doi: 10.1080/1331677X.2017.1305795
Saebi, T., and Foss, N. J. (2015). Business model for open innovation: matching heterogeneous open innovation strategies with business model dimensions. Eur. Manag. J. 33, 201–213. doi: 10.1016/j.emj.2014.11.002
Sancho-Zamora, R., Peña-García, I., Gutiérrez-Broncano, S., and Hernández-Perlines, F. (2021). Moderating effect of proactivity on firm absorptive capacity and performance: empirical evidence from Spanish firms. Mathematics 9:2099. doi: 10.3390/math9172099
Sørensen, Morten (2007) ‘How Smart is Smart Money: An Empirical Two-Sided Matching Model of Venture Capital,’ Journal of Finance, 62 (6), 2725–2762.
Tseng, C. Y., Chang Pai, D., and Hung, C. H. (2011). Knowledge absorptive capacity and innovation performance in KIBS. J. Knowl. Manag. 15, 971–983. doi: 10.1108/13673271111179316
Wuryaningrat, N. F. (2013). Knowledge sharing, absorptive capacity and innovation capabilities: an empirical study on small and medium enterprises in North Sulawesi. Indonesia. Gadjah Mada Int. J. Bus. 15, 61–77. doi: 10.22146/gamaijb.5402
Xie, X., Zoub, H., and Quick, G. (2018). Knowledge absorptive capacity and innovation performance in high-tech companies: a multi-mediating analysis. J. Bus. Res. 88, 289–297. doi: 10.1016/j.jbusres.2018.01.019
Yaseen, S. G. (2020). “Potential absorptive capacity, realized absorptive capacity and innovation performance,” in International Conference on Human Interaction and Emerging Technologies 2019, AISC 1018. ed. Ahram (Cham: Springer), 863–870.
Authors

Emilija Vukovic

Business Architecture Practice

Paul Lalovich

Organizational Effectiveness and Strategy Execution Practice

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2024.05.18 22:03 QuonsMom Crowd Funded Mortgage Payoff

I had this idea and wanted to throw it out into the ether and see if it has any merit. I'm unsure of the legal hurdles, but in tight times, this type of program could really help.

Concept Overview

Group Formation: Homeowners join a group with the goal of collectively paying off each member's mortgage.
Monthly Contributions: Each member makes a monthly contribution to a common fund.
Sequential Payoff: The collected funds are used to pay off one member's mortgage at a time. Once a member's mortgage is fully paid off, the group moves on to the next member.
Rotation: This continues until all members' mortgages are paid off.

Potential Benefits

Interest Savings: By paying off mortgages faster than the scheduled amortization, homeowners can significantly reduce the total interest paid over the life of the loan.
Sense of Community: This program fosters a strong sense of community and mutual support among participants.
Financial Security: Once their mortgage is paid off, homeowners can use their disposable income for other investments or savings, improving their financial stability.
Predictability: Members know that there is a structured plan to pay off their mortgage, providing peace of mind.

Challenges and Considerations

Trust and Commitment: Ensuring all members are committed and continue their payments even after their own mortgage is paid off is crucial. Legal agreements and safeguards would be necessary.
Selection of Recipients: Deciding the order in which mortgages are paid off could be contentious. It could be based on need, random selection, or some other fair method.
Management and Oversight: The program would need to be managed transparently, possibly by a third-party organization or platform to handle the funds and payments.
Risk of Default: If members default on their contributions, it could jeopardize the entire group's plan. Risk mitigation strategies would be essential.
Legal and Regulatory Issues: There might be legal and regulatory challenges, especially related to finance and collective investment schemes.

Financial Mechanics

Interest Calculation: Paying off a mortgage early reduces the principal faster, thereby reducing the amount of interest accrued over time.
Amortization Impact: Mortgages are typically front-loaded with interest payments. Accelerating principal payments reduces the principal early, leading to substantial interest savings.

I imagine a weighted payment system could make the program more equitable for those that are later in line for the payoff. What does reddit think about this idea?

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2024.05.18 21:14 seo-agency-in-india Affordable SEO Services in Delhi for Businesses

affordable SEO services in Delhi
In the competitive landscape of Delhi, businesses need effective SEO strategies to enhance their online presence and attract more customers. Finding an affordable yet reliable SEO agency in Delhi can be challenging but not impossible. This guide will help you understand how to find the best SEO services in Delhi that are cost-effective and result-driven.

Understanding the Importance of SEO for Businesses

Search Engine Optimization (SEO) is crucial for any business aiming to improve its online visibility. SEO involves optimizing your website to rank higher in search engine results, thereby increasing organic traffic. For businesses in Delhi, local SEO is particularly important to attract nearby customers. A good SEO agency in Delhi will understand the local market and implement strategies tailored to your needs.

What to Look for in an SEO Agency in Delhi

When searching for the best SEO services in Delhi, consider the following factors:
Experience and Expertise: Look for an agency with a proven track record in delivering successful SEO campaigns. Check their portfolio and case studies to understand their expertise.
Customized SEO Strategies: The best SEO agency in Delhi will offer personalized strategies that align with your business goals. Avoid agencies that use a one-size-fits-all approach.
Transparent Reporting: Transparency in reporting is crucial. Ensure the agency provides regular updates and detailed reports on the progress of your SEO campaigns.
Ethical SEO Practices: Confirm that the agency uses white-hat SEO techniques. Unethical practices can lead to penalties from search engines, harming your online reputation.
Affordable Pricing: While cost is a significant factor, the cheapest option isn’t always the best. Look for an agency that offers a good balance between affordability and quality of services.

Benefits of Affordable SEO Services

Opting for affordable SEO services in Delhi can provide numerous benefits for your business:
Cost-Effective Growth: Affordable SEO services enable small and medium-sized businesses to compete with larger companies without breaking the bank.
Improved Online Visibility: Effective SEO strategies can boost your website’s ranking on search engines, making it easier for potential customers to find you.
Higher Conversion Rates: Targeted SEO efforts can attract the right audience, increasing the likelihood of converting visitors into customers.
Long-Term Results: Unlike paid advertising, the benefits of SEO are long-lasting. Once your website ranks high, it can maintain its position with minimal ongoing investment.

How to Choose the Best SEO Services in Delhi

Selecting the right SEO agency in Delhi involves careful consideration. Here are steps to help you make the right choice:
Research and Shortlist: Start by researching various SEO agencies in Delhi. Create a shortlist based on their experience, services, and client reviews.
Evaluate Their Proposals: Request proposals from shortlisted agencies. Evaluate their approach, the services they offer, and how they plan to achieve your business goals.
Check References and Reviews: Contact past clients and read online reviews to get a sense of the agency’s reputation and reliability.
Schedule Consultations: Arrange meetings with the top candidates to discuss your needs in detail. This will help you assess their understanding of your business and their communication skills.
Assess Their Commitment to Your Success: The best SEO agency in Delhi will be genuinely interested in helping your business grow. Look for an agency that offers ongoing support and is invested in your long-term success.
Conclusion
Finding affordable SEO services in Delhi doesn’t mean compromising on quality. By considering factors like experience, customized strategies, transparency, ethical practices, and affordable pricing, you can find the best SEO services in Delhi that will help your business thrive. With the right SEO agency in Delhi, you can achieve higher search engine rankings, attract more customers, and grow your business sustainably.

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2024.05.18 21:10 opusmomentum Best Digital Marketing Agency in Lucknow with Opus Momentum

Introduction
Lucknow, the capital city of Uttar Pradesh, is known for its vibrant culture and heritage. In recent years, it has also emerged as a significant hub for digital innovation and business growth. Choosing the right digital marketing agency is crucial for businesses looking to enhance their online presence and achieve their marketing goals. This article will guide you through the best digital marketing agencies in Lucknow, with a spotlight on Opus Momentum.

Criteria for Selecting the Best Digital Marketing Agency

Best Digital Marketing Agency in Lucknow
When selecting a digital marketing agency, consider the following criteria:
Range of Services Offered: Ensure the agency offers comprehensive services, including SEO, social media marketing, PPC, content marketing, and web development.
Experience and Expertise: Look for agencies with a proven track record and experienced professionals.
Client Testimonials and Case Studies: Check for positive reviews and successful case studies.
Innovation and Use of Latest Technologies: The agency should leverage the latest tools and technologies to deliver results.
Pricing and Value for Money: Assess whether the agency offers competitive pricing and delivers value for your investment.
Customer Support and Responsiveness: The agency should provide excellent customer support and be responsive to your needs.

Top Digital Marketing Agencies in Lucknow

1. Opus Momentum

Overview: Opus Momentum stands out as a leading digital marketing agency in Lucknow, known for its strategic approach and comprehensive services.
Unique Selling Points: Opus Momentum is renowned for its client-centric approach, innovative strategies, and a dedicated team of experts.
Notable Clients and Case Studies: Opus Momentum has worked with various businesses, helping them achieve significant online growth and enhanced brand visibility.

2. Digital Jugglers

Overview: Digital Jugglers is another prominent digital marketing agency in Lucknow, offering a wide array of services.
Key Services: SEO, social media management, content marketing, web development, PPC.
Unique Selling Points: Known for its creativity and effective marketing strategies.
Notable Clients and Case Studies: Digital Jugglers has a solid portfolio of successful campaigns for diverse clients.
3. PromoteDial
Overview: PromoteDial specializes in result-driven digital marketing solutions.
Key Services: SEO, PPC, content marketing, social media management.
Unique Selling Points: Focuses on delivering measurable results and ROI for clients.
Notable Clients and Case Studies: Successfully executed campaigns that have significantly boosted client’s online presence.
4. Rank Up Technologies
Overview: Rank Up Technologies offers specialized SEO services and digital strategy consulting.
Key Services: SEO, web development, digital strategy consulting.
Unique Selling Points: Expertise in SEO and customized digital strategies.
Notable Clients and Case Studies: Proven success in enhancing search engine rankings and online visibility for clients.
5. Click Retina
Overview: Click Retina excels in social media marketing and web design.
Key Services: Social media marketing, web design, SEO, content creation.
Unique Selling Points: Known for creative social media campaigns and appealing web designs.
Notable Clients and Case Studies: Helped clients achieve significant engagement and brand recognition.
6. Digital Nawab
Overview: Digital Nawab provides holistic digital marketing strategies tailored to client needs.
Key Services: SEO, social media management, PPC, comprehensive digital strategies.
Unique Selling Points: Personalized approach and extensive digital marketing expertise.
Notable Clients and Case Studies: Delivered successful marketing campaigns with impressive results.

Case Studies and Success Stories

Opus Momentum: Successfully executed a multi-channel marketing campaign for a leading e-commerce brand, resulting in a 50% increase in online sales and a 30% improvement in brand visibility.
Digital Jugglers: Boosted a local retailer’s online presence, leading to a 40% increase in website traffic and a 25% growth in sales.
PromoteDial: Achieved a 45% reduction in cost-per-click (CPC) for a real estate client through targeted PPC campaigns.

FAQs

Q1: Why should I choose a digital marketing agency in Lucknow?
A: Digital marketing agencies in Lucknow offer local market expertise, competitive pricing, and comprehensive services tailored to your business needs.
Q2: What makes Opus Momentum a top choice?
A: Opus Momentum stands out for its strategic approach, innovative solutions, and a dedicated team that delivers measurable results.
Q3: How can I measure the success of my digital marketing campaigns?
A: Success can be measured through various metrics such as increased website traffic, higher search engine rankings, improved conversion rates, and enhanced social media engagement.

Conclusion

Lucknow is home to several exceptional digital marketing agencies, each offering unique strengths and services. Whether you choose Opus Momentum, Digital Jugglers, PromoteDial, Rank Up Technologies, Click Retina, or Digital Nawab, you can be assured of innovative strategies and impressive results. By selecting the right agency, you can effectively enhance your online presence and achieve your business goals.

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2024.05.18 20:24 TheLotStore The Ultimate Guide to Buying a House for Sale near Me with Land

The Ultimate Guide to Buying a House for Sale near Me with Land
The Ultimate Manual for Purchasing a Dwelling for Sale close to Me with LandAre you scouting for a new residence with ample outdoor space? Whether you are a first-time homebuyer or aiming to elevate to a property with extra land, there are numerous aspects to contemplate while seeking the perfect house for sale in your vicinity. From establishing your budget to grasping local zoning laws, securing the right property with land necessitates meticulous planning and assessment.In this extensive handbook, we will guide you through the complete process of acquiring a residence for sale in your area with land. We will encompass everything from investigating the local market to enlisting a real estate agent, bargaining the purchase agreement, and ultimately, sealing the deal. By the conclusion of this guide, you will possess all the tools and information you need to make a well-informed choice when acquiring a dwelling with land.Comprehending Your Requirements and BudgetThe initial stage in purchasing a house with land is to define your requirements and budget. How much outdoor space do you necessitate? Do you have any distinct aspirations for the land, such as gardening, raising animals, or constructing additional structures? Comprehending your requirements will aid you in narrowing down your exploration and encountering properties that fulfill your prerequisites.Subsequently, it's vital to confirm a budget for your home purchase. Take into consideration your present financial position, including your income, savings, and any debt. Additionally, consider the continuing expenses associated with possessing a property with land, such as maintenance, utilities, and property taxes. By possessing a lucid understanding of your budget, you can sidestep overspending and assure that the property you opt for is financially sustainable for the long haul.Exploring the Local MarketOnce you have a lucid notion of your requirements and budget, it's time to commence investigating the local real estate market. Seek out properties for sale nearby that correspond to your criteria, encompassing the quantity of land, the type of property, and the location. Websites like Zillow, Realtor.com, and Trulia are exceptional resources for discovering homes with land for sale in your vicinity.Furthermore to online listings, contemplate collaborating with a local real estate agent who holds expertise in properties featuring land. An informed agent can furnish valuable insights into the market, assist you in identifying potential properties, and guide you through the purchasing process.While researching the local market, consider the subsequent aspects:• Property Prices: What is the average cost of homes with land in your desired locality? • Property Taxes: What are the property tax rates in the area, and how might these affect your budget? • Zoning Laws: Are there any limitations on how the land can be utilized, such as agricultural zoning or conservation easements? • Local Amenities: What amenities are accessible in the area, such as schools, shopping, and recreational facilities?By meticulously investigating the local market, you can amass a better understanding of the available choices and make an informed decision when procuring a house with land.Getting Pre-Approved for a MortgageBefore you commence shopping for a house with land, it's essential to obtain pre-approval for a mortgage. Pre-approval entails meeting with a lender to ascertain how much you can afford to borrow based on your income, credit history, and other financial factors. By obtaining pre-approval, you can signify to sellers that you are a sincere and qualified buyer, which can furnish you with an edge in a competitive market.To secure pre-approval for a mortgage, you will need to furnish the following documents to your lender:• Proof of Income: Pay stubs, W-2 forms, and tax returns • Proof of Assets: Bank statements, retirement account statements, and any other assets • Employment Verification: Contact information for your employer and any other sources of income • Credit History: Information about your credit score and any outstanding debtsOnce you have been pre-approved for a mortgage, you will receive a letter from your lender stating the amount for which you are approved. This letter can be included with your offers on properties to demonstrate to sellers that you are financially capable of acquiring the home.Enlisting a Real Estate AgentWhen purchasing a house with land, having an informed and seasoned real estate agent on your side is crucial. A reputable agent can aid you in navigating the local market, locating properties that fulfill your criteria, and negotiating the best feasible deal. When selecting a real estate agent, contemplate the following aspects:• Experience: Seek an agent with experience in purchasing and selling properties with land in your preferred area. • Knowledge: A good agent should possess a thorough understanding of local zoning laws, property values, and market trends. • Reputation: Read reviews and solicit recommendations to find an agent with a solid reputation and track record of success. • Communication: Select an agent who is responsive and attentive to your needs throughout the purchasing process.Meeting with potential agents and discussing your requirements and goals can aid you in finding the right match for your home search. Once you have elected an agent, they can assist you in identifying potential properties, scheduling showings, and providing valuable guidance as you navigate the purchasing process.Discovering the Right Property with LandWith a clear understanding of your requirements, budget, and the local market, it's time to commence seeking the right property with land. Your real estate agent can aid you in identifying potential residences that match your criteria and scheduling showings so you can tour the properties in person.While searching for the right property with land, contemplate the subsequent aspects:• Location: Is the property in a sought-after area? What amenities are nearby, and what is the overall quality of life in the neighborhood? • Land Size: Does the property possess the quantity of land you desire, and is the land suitable for your intended use? • Property Features: What is the condition of the home and any outbuildings on the property? Are there any unique features or amenities that make the property stand out? • Zoning and Restrictions: Are there any zoning laws or restrictions that may impact how you can utilize the land?While touring potential properties, take note of any features or issues that catch your attention. Pay attention to the condition of the home, the quality of the land, and any potential maintenance or improvement needs. Retain an open mind and be patient as you hunt for the right property, as discovering the perfect home with land may take time.Negotiating the Purchase AgreementOnce you have pinpointed a property with land that you are interested in acquiring, the next step is to negotiate a purchase agreement with the seller. Your real estate agent can render valuable assistance in this process, aiding you in determining a fair offer price, incorporating any contingencies, and bargaining with the seller on your behalf.While negotiating the purchase agreement for a house with land, contemplate the subsequent aspects:• Offer Price: What is a fair price to offer for the property, based on the local market and the condition of the home and land? • Contingencies: Are there any contingencies you would like to include in the purchase agreement, such as a home inspection or appraisal? • Closing Date: When would you like to close on the property,and do you need to consider any specific timing aspects?Your property specialist can assist you in drafting and submitting the purchase agreement to the seller's representative. If the seller agrees to your proposal, the purchase agreement becomes a legally binding contract, outlining the terms and conditions of the sale.Conducting Thorough InvestigationOnce the purchase agreement is accepted, it's time to conduct a comprehensive investigation of the property. A thorough investigation involves a detailed inspection of the home and land, reviewing relevant documents, and ensuring that there are no issues that would impact your decision to purchase the property.As part of the investigation process, consider the following actions:• Home Examination: Enlist a certified home examiner to conduct a thorough inspection of the property, including the home and any additional structures. The examiner will identify any potential issues with the property, such as structural deficiencies, plumbing problems, or electrical issues. • Land Mapping: Consider hiring a surveyor to perform a survey of the property and verify the boundaries and acreage of the land. This will ensure that the property lines are accurate, and you are informed of any trespasses or easements. • Title Investigation: Initiate a title investigation to ensure the property has a clear title and that there are no pending liens or other issues that could affect the sale. • Zoning and Permits: Research local zoning regulations and permits to ensure the property can be utilized for your intended purposes and that there are no outstanding infractions or issues.By conducting a thorough investigation of the property, you can identify any potential issues that may influence your decision to proceed with the purchase. If any issues are identified, your property specialist can assist you in negotiating with the seller to address them or potentially recalibrate the terms of the purchase agreement.Managing the Closing ProcedureOnce you have completed the investigation of the property and are content with the results, it's time to manage the closing procedure. The closing procedure involves concluding the sale of the property, signing the necessary legal documents, and transferring ownership from the seller to you, the buyer.The closing procedure typically includes the following steps:• Finalizing Financing: Provide any required documentation to your lender to finalize the mortgage approval process and secure the necessary financing for the purchase. • Reviewing Closing Papers: Collaborate with your property specialist and legal counsel to review all closing documents, including the settlement statement, purchase agreement, and any other legal documents related to the sale. • Completing Final Inspections: Undertake a final walk-through of the property to ensure that any repairs or agreed-upon improvements have been completed to your satisfaction. • Signing Documents: Attend the closing appointment and sign all necessary legal documents, including the mortgage loan documents and the deed of trust. • Transferring Ownership: Once all documents are signed and any required payments have been made, the property ownership will be transferred from the seller to you, and you will receive the keys to your new home with land.Following the completion of the closing procedure, the property is officially yours, and you can initiate the process of moving in and personalizing the property as you desire.Property Ownership with LandCongratulations! You have successfully acquired a residence with land near you. Now that the purchasing process is finalized, you can commence enjoying your new property and customizing it to your preferences. Whether you intend to start a garden, raise livestock, or simply relish the additional space, owning a home with land presents numerous opportunities for enjoyment and satisfaction.As a property owner, it's crucial to stay informed about ongoing maintenance and upkeep of the property. Regular maintenance of the home and land, including mowing, landscaping, and repairs, will help ensure that the property retains its value and remains a source of pride and enjoyment for years to come.If you have any inquiries or concerns about owning a property with land, consider contacting local resources, such as gardening clubs, agricultural extension services, or land management organizations. These resources can offer valuable guidance on caring for your land and making the most of the property.To sum up, purchasing a residence with land near you can be a gratifying and enriching experience. By following the steps outlined in this guide, including understanding your needs and budget, researching the local market, getting pre-approved for a mortgage, enlisting a property specialist, finding the right property with land, negotiating the purchase agreement, conducting a thorough investigation, and managing the closing procedure, you can successfully acquire a home that fulfills your requirements and provides ample outdoor space for enjoyment and fulfillment. Congratulations on taking the first step toward owning the perfect home with land!
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2024.05.18 20:06 Mouse_Numerous Pension & Investors release Fortress Mgt buys Fortress back from Softbank 5/15/24

5/15/24 co CEO Fortress announces closure of Fortress Mgt buyback from Softbank. Now Fortress is ready to roll at Novation Co NOVCQ a public company hidden by SEC Rule 15c2-11 with partners co investors Mass Mutual & sub Barings aka Babson Capital, Jefferies $JEF & White Mountain’s Capital $WTM & NOVCQ Board of Directors Barry Igdaloff’s Howard Amster & Whitney Tilson, Chuck Gillman, Jeffrey Eberwein, David Pointer, Tim Eriksen, Lee Keddie & Robert Pearse. These people are all connected and their 3 NOVCQ restructuring are all connected and advised by 3 third party professionals TPP Boulay Group, Olshan Law, Shapiro Sher. These TPP are no different then Sullivan Cromwell aiding the FTX scheme.
https://www.pionline.com/alternatives/fortress-mubadala-complete-acquisition-fortress-investment-group
World Leading Investors Fortress, EJF Capital aka FBR, MassMutual Barings, Jefferies, White Mountains Capital $WTM are about to create BILLIONS in Capital plus Hundreds of Millions in Cash Flow every year. This is how Whitney Tilson's pals Chuck Gillman, Jeff Eberwein and their co-investors siege control of Novation Companies $NOVC. Use SEC Rule 15C(2)-11 to drive share price down, while taking 16M or 10% of stock at pennies as partial board compensation. Equipped with 40M common shares of NOVCQ they are ready to make Billions plus Create $100Ms every year in cash flow in dividends/Mgt Fees. They have a world class roster of investors supporting them including; MassMutual Barings/Jefferies 40M and Fortress/EJF Capital 31.3M NOVCQ common shares (EJF formerly FBR is owned by White Mountains Capital $WTM). Fortress/EJF Capital also own $NOVCQ only Sr Debt to exit their 1st Ch 11 MD and was used in 2nd Ch 11 in DE filed 8/13/2024. Fortress/EJF invested a few thousand dollars in Off Balance Sheet entities Taberna Trups CDOs I & II/Kodiak CDO I, that hold NOVCQ only Sr Debt. After the 1st Ch 11 NOVCQ Board of Director Barry Igdaloff, Howard Amster hands Fortress/EJF Capital 31M shares allocated by Board at zero basis. This proves NOVCQ Board of Directors was not independent from Sr Debt Holders Fortress/EJF Capital. Sr Debt was a ruse including its use in DE Ch 11. DE Ch 11 was carefully crafted to provide short sellers a way to take tax free gains. The Board with little cash invested holds control of this former NYSE MREIT Novastar Financial Inc. traded under MREIT NYSE Exemption $NFI now Novation $NOVCQ.
Per WSJ Wesley Edens of Fortress is the new MREIT Subprime KING after restructuring Mr. Cooper $COOP and OMF One Main aka LEAF AIG and Citi Bank Subprime CaPersonal Lending unit, and RITM/NRZ and Dynex Capital DX. Manny Friedman Founder of EJF Capital formerly FBR Friedman, Billings Ramsey, is regarded as a leading MREIT expert. They control Novation Companies Inc. NOVCQ thanks to $NOVCQ Board of Directors who they have a past relationship. They renamed Novastar Financial Inc. former traded NSYE as $NFI to Novation Companies, which owns MREIT Novastar Financial Inc., renamed Novastar Mortgage inside 2nd Ch 11 in DE. A new 8-Member Board is waiting in the wings with new name/symbol. I have been told they have big plans for NOVCQ only operating unit http://healthcare-staffing.com HCS which owns and conceals Medmasa http://medmasa.com
I believe they will merge HCS/Medmasa with Jeff Eberwein Hudson Global $HSON to create quarter billion tax free BPO public company. Jeffrey Eberwein is the former NOVCQ COB/CEO that managed 1st Ch 11 in MD with Shapiro Sher. Eberwein is now COB/CEO of Hudson Global $HSON. This merger will monetize NOVCQ $730M NOLs just like both CH 11 the 1st in Maryland, MD & 2nd or last in Delaware, DE. Both used Sr Debt as ruse to execute both Ch 11s which have gone to great length to save NOVCQ $730M NOLs. 2022 NOVCQ triggered SEC Rule 15c(2)-11 which allows NOVCQ to remain public but conceals who is buying NOVCQ as only Expert Investors can accumulate NOVCQ like Putnam Inv. Goldman Sachs, Blackrock & David Dreman of Dreman Value Mgt. and Thomas Akin Talkot Capital fund owns 1.9M common. This SEC Rule is postured as way for small public company to remain public and not have the cost burden of SEC filings. What it really does is stops Retail bid/ask and allows Expert Investors in the know to front run a public company before rolling out true reorganization plans.
They are ready to change Novation Co $NOVCQ name and brand so as to eliminate any reference to the prior board or brand. This is how they roll. I believe they will present the new name/symbol and 8-Member Board comprised of Fortress, EJF Capital aka FBR people once Fortress Management close Softbank SALE of Fortress (DONE See Top 5/15/24 Announcement) to them and Mubadala Investment Company ex Fortress executive Rajeev Misra. Whitney Tilson close small cap co-investors Chuck Gillman, Jeff Eberwein are at the center. I’ve been told they do nothing but sure things. Former George Soros Investments Portfolio Mgr. Jeff Eberwein Wharton MBA, is ready to take $NOVC http://medmasa.com conceal behind http://healthcare-staffing.com & $730M NOLs. This 8-Member Board connected to past Board Members Jeff Eberwein, Chuck Gillman, Barry Igdaloff, Howard Amster I believe will merge Medmasa/HCS with Hudson Global $HSON (see Jefferey Eberwein Form 4s at $HSON & Form 4s filed at NOVCQ between April-Oct 2015 via his fund Lone Star Value Mgt.). Jeff Eberwein & his clan including Whitney Tilson/Chuck Gillman were introduced to the present day NOVCQ Board Barry Igdaloff, Howard Amster. Wes Edens, Founder of Fortress hide their identity behind Off Balance Sheet OBE Entities Taberna Trups CDOs I and II and former FBR Friedman, Billings, Ramsey now called http://EJFCap.com also hide their identity behind OBE Kodiak CDO I.
Fortress/EJF own at the same time both the only Sr Debt to exit 1st Ch 11 MD and months afterward 31M NOVCQ common (9M NOVCQ common shares plus 22.250M Ten Year Warrants. There are co-conspirators with NOVCQ board of directors that own 40M NOVCQ Common & MassMutual & Jefferies own 40M NOVCQ common shares. Novation Companies Inc. $NOVCQ submerged shareholder plans and value under SEC Rule 15c(2)-11 to sub penny stock that can only be traded today by Expert Investors defined by this SEC Rule. Fortress/EJF Capital paid almost nothing for OBEs yet they have spent at least $2M cash in the last Ch 11 in DE. They have every reason to do something big.
I believe that something will be splitting NOVCQ into two tax free public companies worth BILLIONS plus Hundreds of Millions in annual cash flow in MREIT Dividends & Lucrative Mgt Fees just like Fortress did a LEAF/One Main OMF, Newcastle that is New Residential $NRZ now Rithm Capital $RITM and $GCI formerly New Media NEWM and New Senior $SNR sold for over $2B. $RITM aka $NRZ in 2019 10K documented that shareholders paid Fortress over $250M in Mgt Fees annually, plus dividends. Fortress terminated the NRZ/RITM Mgt Deal for cool $400M (simultaneously changing Name/Symbol to Rithm Capital $RITM). NOVCQ Dark Horse are their plans for NOVCQ only operating unit HCS aka Medmasa http://medmasa.com concealed by CH 11 in DE. Medmasa NOVCQ only operating unit is http://healthcare-staffing.com NOVCQ former MREIT NYSE $NFI now named Novastar Mortgage is the Board, EJF Capital and Fortress ticket to monetizing rights (see Exhibit 2.1 of Q3 2007 10Q Service Rights Transfer Agreement Sec 5.04 that defines these rights as Cleanup Call Rights CCR well know to these MREIT experts) that control billions of rich, seasoned collateral assets ideal to be leveraged and securitized into MREIT dividend & like RITM aka NRZ another external management fee for Fortress and/or EJF. Fortress/EJF Capital then FBR did this with NOVCQ Board Barry Igdaloff, Howard Amster 2000-03 at Dynex Capital NYSE $DX. Ask Igdaloff helpers Thomas Akin former CEO/COB of DX he holds 1.9M of NOVCQ in his fund Talkot Capital. Thomas Bruce Akin sat on DX Board for years with NOVCQ Chairman Igdaloff. Igdaloff served 20 years on DX Board per DX 8K 9/3/2020.This is your chance to do what is right. ====================================== ALTERNATIVES
May 15, 2024 12:04 PM

Fortress, Mubadala complete acquisition of Fortress Investment Group

LYDIA TOMKIW ERIN ARVEDLUND

REPRINTSPRINT
Drew McKnight and Joshua Pack
Fortress Investment Group, an alternatives manager, and Mubadala Investment Co., the investment arm of Abu Dhabi’s $276 billion sovereign wealth fund, completed their acquisition deal May 15, and as part of the close, Fortress management now owns a 32% equity interest.
Mubadala owns the remaining 68%. The acquisition, through Mubadala Capital, is for the 90.01% of Fortress equity that was held by SoftBank Group Corp., according to a news release. The terms of the deal were not disclosed.

Mubadala seeks co-investors for Fortress in effort to clear U.S. security review SoftBank-Fortress deal turns attention to future arrangements with private equity firms
Fortress’s sale of majority equity was approved by the Committee on Foreign Investment in the United States after concessions were made to let Fortress keep data and technology in the U.S., the Financial Times first reported last week.
Fortress, which had $48 billion in assets under management at the end of 2023, said it expects the new joint venture to help it further establish itself in credit and real estate in both public and private markets. Fortress pointed to Mubadala Capital’s global network to help expand client relationships.
“This is a true landmark event for Fortress, for our employees and for the clients we serve,” said Fortress co-CEOs Drew McKnight and Joshua Pack, adding, “We have strengthened alignments of interest, put significant management skin in the game, and deepened our long-term partnership with Mubadala, one of the world’s most highly regarded investors.”
As part of Fortress management now owning a 32% equity interest, its management is entitled to appointment of a majority of board seats. McKnight, Pack and managing partner Jack Neumark were the largest individual investors in the buyout and were joined by about 150 members of the firm.
Mubadala Capital’s CEO and managing director, Hani Barhoush, continues to serve on the Fortress board, a position he has held since 2019 when Mubadala initially invested.
Fortress will continue to operate as an independent investment manager under its own brand and with full autonomy over its investment process and personnel.

ALTERNATIVES

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2024.05.18 20:00 nmierfin Full Fledged Mean Reverting Strategies Implemented Using Interactive Broker's API

Hello everyone,
So I have been dabbling with Interactive Broker's API for several months now and I was able to use it to make some pretty nifty mean reverting bots that implement what's called the Passive Aggressive Mean Reversion Strategy and the Anticorrelation Strategy.
I made a brief video talking about the strategies and their uses which you might find interesting.
I've linked the video here: How to exploit volatility for PROFIT: Mean Reversion (youtube.com)
The papers talking about both of the strategies can be found at these links: Passive Aggressive Mean Reversion PAMR: Passive aggressive mean reversion strategy for portfolio selection Machine Learning (springer.com)
and
Anticorrelation
borodin04.dvi (arxiv.org).

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http://swiebodzin.info